Florida Foreclosure Process 2025 | Step-by-Step Guide – Realtor Stephens Team

The Florida Foreclosure Process in 2025: Don’t Face It Alone

Judicial Foreclosure Explained – Steps, Timelines, Rights & Alternatives

In Central Florida, rising delinquencies mean more homeowners face foreclosure. Understanding the process empowers you to explore options like short sales before it’s too late.

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Or Call: 407-603-1664 | stacyann@realtorstephens.com

Disclaimer: This is general educational information only and not legal advice. Foreclosure laws are complex. Consult a qualified Florida attorney or HUD counselor for your situation. Realtor Stephens Team provides real estate guidance and referrals.

Overview of Florida’s Judicial Foreclosure Process (2025)

Florida is a judicial foreclosure state, requiring lenders to sue in court. Federal rules prohibit starting foreclosure until 120+ days delinquent. The process often takes 6-12 months or longer due to backlogs.

Key rights: Loss mitigation review, mediation possible, limited deficiency for primary homes.

Step-by-Step Florida Foreclosure Process

Default & Preforeclosure (120+ Days): Miss payments; servicer contacts for loss mitigation. No lawsuit until 120 days delinquent (federal rule).
Lawsuit Filed: Lender files complaint, lis pendens, serves summons. You have 20 days to answer.
Court Proceedings: Defenses raised; possible mediation or summary judgment.
Final Judgment: Court orders sale if lender wins.
Notice of Sale: Published 2 weeks prior (online or newspaper).
Foreclosure Sale: Public auction (often online); lender usually bids.
Certificate of Title: Issued ~10 days post-sale if no objections.
Eviction: New owner gets possession writ.
Deficiency (If Any): Lender may sue within 1 year, capped at FMV for residences.

Right of Redemption: Until certificate of sale filed or judgment specifies.

Avoiding Foreclosure: Better Alternatives

Many homeowners avoid sale via:

Loan Modification
Forbearance
Short Sale (our specialty)
Deed in Lieu
Bankruptcy (Chapter 13 stops process)

Realtor Stephens Team helps with short sales – often no deficiency, less credit hit.

Stop Foreclosure Stress

407-603-1664 | stacyann@realtorstephens.com

Trusted Resources for Florida Foreclosure Help

1. Nolo: Florida Foreclosure Laws

Detailed Guide

2. Florida Statutes Chapter 702

Official Text

3. HUD Florida Counseling

Free Counselors

4. Florida Bar Consumer Info

Homeowner Rights

Frequently Asked Questions: Florida Foreclosure 2025

Is foreclosure in Florida judicial or nonjudicial?

Florida requires judicial foreclosure, meaning the lender must file a lawsuit and go through the court system.

How long does foreclosure take in Florida in 2025?

Typically 6-12 months or longer, depending on court backlogs, defenses, and loss mitigation.

Can I be sued for a deficiency judgment in Florida?

Yes, but limited to fair market value for owner-occupied homes; statute of limitations is 1 year.

What are alternatives to foreclosure in Florida?

Short sale, deed in lieu, loan modification, forbearance, or bankruptcy.

How can Realtor Stephens Team help avoid foreclosure?

We specialize in short sales, connect you to resources, and guide you through options in Central Florida.