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Common Questions About Foreclosure in Florida

How long does foreclosure take in Florida?

Florida is a judicial foreclosure state, meaning every case goes through the court system. The typical timeline is 8 to 14 months from the initial lis pendens filing to the final auction, though contested cases can take longer. This timeline gives homeowners significant opportunity to explore alternatives.

What is a lis pendens in Florida?

A lis pendens is a legal notice filed with the county clerk that a foreclosure lawsuit has been initiated against a property. It serves as public notice that the property's title is in dispute. Receiving a lis pendens does not mean you will lose your home — it means the legal process has started and you should act quickly.

Can I sell my house during foreclosure?

Yes, you can sell your home at any point before the foreclosure auction is finalized. If you have equity, a traditional sale can pay off your mortgage and protect your credit. If you owe more than the home is worth, a short sale may be an option with your lender's approval.

What is a short sale and how does it work?

A short sale is when your lender agrees to accept less than the full mortgage balance as payment in full. You sell the home on the open market, and the lender forgives the remaining balance. Short sales typically cause less credit damage than a foreclosure and may allow you to purchase another home sooner.

Will foreclosure affect my credit score?

Yes, a foreclosure can reduce your credit score by 100 to 160 points and remains on your credit report for seven years. However, alternatives like loan modifications, short sales, or deed in lieu arrangements typically have less severe credit impacts and shorter recovery periods.

What is a deed in lieu of foreclosure?

A deed in lieu of foreclosure is when you voluntarily transfer ownership of your property to your lender in exchange for release from your mortgage obligation. It avoids the court process, is faster than foreclosure, and may have a less severe impact on your credit score.

Can I get my house back after foreclosure in Florida?

Florida does not have a statutory right of redemption after a foreclosure sale is confirmed by the court. However, you can redeem the property (pay the full amount owed) at any time before the clerk issues the certificate of sale. Once the sale is confirmed, the new owner takes title.

How much does it cost to get foreclosure help?

Barrett Henry offers free initial consultations to every homeowner facing foreclosure. There is no upfront cost to discuss your situation and explore your options. If you choose to sell (short sale or traditional), standard real estate commission applies and is typically paid from the transaction proceeds — not out of your pocket.

How to stop a foreclosure in Florida step by step?

First, review the lis pendens notice and note all deadlines. Second, contact a licensed Florida REALTOR or HUD-approved housing counselor for a free consultation. Third, evaluate your options: loan modification, short sale, deed in lieu, bankruptcy, or selling before auction. Fourth, choose the path that best protects your equity and credit. Barrett Henry walks homeowners through every step at no cost.