Florida is a judicial foreclosure state, meaning the lender must go through the court system. This process typically takes 4-8 months but provides homeowners with more time and opportunities to respond.
Key stages in the Florida judicial foreclosure process. Understanding these stages helps you know what to expect and when to act.
Lender files complaint in circuit court. You receive summons and complaint.
You have 20 days to file a written response. Default entered if no response.
Court schedules hearing. Summary judgment typically entered if no defense.
Court enters final judgment. Property scheduled for sale date.
Property sold at auction. Sale is typically final per Florida law.
Lender files complaint in circuit court. You receive summons and complaint.
You have 20 days to file a written response. Default entered if no response.
Court schedules hearing. Summary judgment typically entered if no defense.
Court enters final judgment. Property scheduled for sale date.
Property sold at auction. Sale is typically final per Florida law.
Your sale date is the most critical date. Call now to understand your options.
Review Your TimelineYour specific dates matter. Call now to understand what deadlines apply to your situation.
Collect your mortgage statements, any correspondence from your lender, and identification.
Florida foreclosure law is complex. A licensed Florida attorney can advise you on your specific legal options.
Important: Florida law provides specific defenses. An attorney can evaluate your case.
Common questions about the Florida foreclosure process.
Have questions about your specific situation?
Open a Case File