Florida Foreclosure Process Explained
Foreclosure in Florida can be confusing and overwhelming — especially if you’re already struggling financially. At Orlando Home Guys, we help homeowners understand their options and provide real solutions to avoid losing their home. Below, we break down the Florida foreclosure process so you can take action before it’s too late.
If you’re at risk of foreclosure and need a fast way out, request your free cash offer or call (321) 461-5225 to speak with a foreclosure specialist now.
Is Florida a Judicial Foreclosure State?
Yes. In Florida, all foreclosures go through the court system, which means the lender must sue the homeowner to take legal ownership of the property. This process can take anywhere from 4 months to over a year, depending on the court’s schedule and whether the homeowner contests the case.
Stages of the Florida Foreclosure Process
- Missed Payments
Foreclosure begins when you miss one or more mortgage payments. Most lenders won’t act immediately but will begin sending late notices and try to collect. - Notice of Default
After about 90 days of missed payments, the lender may send a Notice of Default. This is a warning that foreclosure may be next. - Lis Pendens Filed
The lender files a Lis Pendens (a formal lawsuit) with the court. This officially starts the foreclosure process in Florida and becomes public record. - Summons and Complaint
You’ll be served court papers and given 20 days to respond. If you don’t respond, the court may grant the foreclosure by default. - Judgment and Sale Date
If the court rules in favor of the lender, a final judgment is issued and a public auction date is set. - Foreclosure Auction
Your property is sold at auction to the highest bidder — or reverts to the bank if no one bids. - Eviction
If the property is sold, the new owner may file for eviction. This usually happens 10–30 days after the auction.
How to Stop the Process
You can stop foreclosure at nearly any stage by catching up on payments, modifying your loan, or selling your house. At Orlando Home Guys, we offer a fast and reliable solution — we buy houses before foreclosure and help you avoid credit damage, court involvement, and the stress of losing your home.
Why Homeowners Choose Orlando Home Guys
- We buy houses fast — even during active foreclosure
- No repairs, fees, or showings required
- We handle all paperwork and work with your timeline
- We’re based in Florida and know how to work with local courts and lenders
Don’t wait until the auction is scheduled. Request your free cash offer now or call (321) 461-5225 to speak with someone who can help right away.