Barrett Henry is a Broker Associate at REMAX Collective with 23+ years of Florida real estate experience. He helps homeowners across all 67 Florida counties understand foreclosure options and evaluate pre-foreclosure strategies. Direct service in the Tampa Bay area; referral connections statewide including Broward County.
Behind on Your Davie Mortgage -- What to Do Now
Davie is one of Broward County's largest and most diverse towns, spanning nearly 36 square miles from I-595 to the Everglades. Home to Nova Southeastern University, horse country in the western corridor, and suburban communities along Flamingo Road and University Drive, Davie attracts a wide range of residents -- students, academics, equestrian enthusiasts, and working families. Its diverse housing stock ranges from large-lot western properties to townhomes and condominiums near major employment corridors.
Florida's judicial foreclosure process means cases in Broward County's 17th Judicial Circuit typically take 12 to 18 months from filing to auction. That timeline creates real opportunities to act. But time passes faster than it seems once a foreclosure is filed -- start today.
Why Davie Homeowners Fall Behind in 2026
- South Florida insurance crisis: Many Davie properties sit in or near flood zones associated with the South New River Canal and South Fork. Flood insurance premiums have increased substantially under FEMA's Risk Rating 2.0. Homeowners insurance costs have also risen, raising escrow-based mortgage payments.
- University-area income volatility: Davie's large academic and healthcare workforce can experience income disruptions tied to institutional budgets. Adjunct faculty and contract workers are especially vulnerable.
- ARM resets: Buyers who used adjustable-rate mortgages during the 2020 to 2022 low-rate period are experiencing payment increases as their initial fixed-rate periods expire.
- HOA and equestrian property costs: Western Davie properties have unique expenses -- barn maintenance, pasture upkeep, and equestrian HOA assessments -- that can outpace income in down years.
- SB 4-D condo assessments: Davie's older condo communities near NSU and University Drive are subject to Florida's structural reserve requirements. Large special assessments have affected condo owners' ability to maintain mortgage payments.
Your Options When Behind on a Davie Mortgage
Keeping Your Home
- Loan modification: Request a permanent restructuring of your loan terms to make your payment affordable. Lenders are required by federal rules to evaluate complete applications before proceeding with foreclosure. See our full Florida loan modification guide.
- Forbearance: Request a temporary pause or reduction in payments while you address a hardship. Learn about forbearance options for Florida homeowners.
- Reinstatement: Pay the total overdue amount in a lump sum to bring the loan current. See how reinstatement works in Florida.
- Chapter 13 bankruptcy: Reorganize mortgage arrears into a 3 to 5 year court-supervised repayment plan with an automatic stay. See bankruptcy and foreclosure options in Florida.
Exiting the Property
- Sell before foreclosure: If your Davie home has equity, selling at market value before the auction protects your credit and may leave you with proceeds. Learn more about selling before the foreclosure auction.
- Short sale: If you owe more than the property is worth, a short sale with lender approval resolves the debt for less than the full balance. See how short sales work in Florida.
- Deed in lieu of foreclosure: Voluntarily transfer the property to your lender for full release of the mortgage obligation. Learn about deed in lieu of foreclosure in Florida.
The Broward County Foreclosure Process
Florida is a judicial foreclosure state. Davie foreclosure cases are filed at the Broward County Courthouse, 201 SE 6th St, Fort Lauderdale, FL 33301, in the 17th Judicial Circuit. The full foreclosure timeline runs 12 to 18 months for uncontested cases. At every stage before the auction closes, you can pursue loss mitigation, sell the property, mount a foreclosure defense, or file for bankruptcy protection.
Surplus Funds at Broward County Foreclosure Auctions
If your Davie home sells at the Broward County foreclosure auction for more than the total judgment amount, the excess belongs to you under Florida Statute 45.032. You must file a claim with the Broward County Clerk of Court within 60 days of the disbursement order. Do not leave surplus funds unclaimed.
Local Resources for Davie Homeowners
- Broward County Courthouse: 201 SE 6th St, Fort Lauderdale, FL 33301 (17th Judicial Circuit). Check case status at browardclerk.org.
- Legal Aid Service of Broward County: (954) 765-8950. Free or bilingual legal assistance for qualifying Broward County homeowners facing foreclosure.
- HUD-Approved Housing Counseling: (800) 569-4287. Free, independent counseling on all options when behind on your mortgage.
- Florida Bar Lawyer Referral Service: (800) 342-8011. Referrals to licensed Florida attorneys at a reduced initial consultation fee.
Related Guides for Broward County and South Florida Homeowners
- Behind on mortgage in Fort Lauderdale: what to do
- Behind on mortgage in Plantation: what to do
- Behind on mortgage in Margate: what to do
- Behind on mortgage in Hollywood: what to do
- Behind on mortgage in Pembroke Pines: what to do
- Behind on mortgage in Coral Springs: what to do
- Behind on mortgage in Miramar: what to do
- How the Florida foreclosure process works
- Florida foreclosure timeline
- 8 proven ways to stop foreclosure in Florida
- Sell your home before the foreclosure auction
- Short sale in Florida: how it works
- Free foreclosure resources for Florida homeowners
MARS Rule Disclosure: Barrett Henry is a licensed real estate professional, not an attorney. Nothing on this page constitutes legal advice. You are not required to use a third-party representative to contact your mortgage servicer.
Behind on your Davie mortgage? Contact Barrett Henry today for a free, no-obligation consultation. We will review your situation and help you understand every option available under Florida law.
