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Florida Foreclosure Law

If you are in foreclosure in the state of Florida, we help stop foreclosure in Florida. If you would like to keep your home and avoid foreclosure, UCMA offers foreclosure help in Florida.

Avoid Florida Foreclosure - Quick Facts

- Judicial Foreclosure Available: Yes
- Non-Judicial Foreclosure Available: No
- Primary Security Instruments: Mortgage
- Timeline: Typically 180 days
- Right of Redemption: Yes
- Deficiency Judgments Allowed: Yes

In Florida, all mortgages are foreclosed in equity. In a mortgage foreclosure action, the court severs, for separate trial, all counterclaims against the foreclosing lender. The foreclosure claim shall, if tried, be tried to the court without a jury.

The court order of foreclosure will specify how the foreclosure must take place, and the foreclosure must take place on those terms. Whenever a legal advertisement, publication, or notice relating to a foreclosure proceeding is required to be placed in a newspaper, it is the responsibility of the lender or their representative to place such advertisement, publication, or notice.

Equitable Right of Redemption ends at the foreclosure sale (or at another time specified by the courts, but this rarely happens). There is a period of time after the sale that "the court reviews the sale to ensure a fair price has been paid." Basically, this period of time allows parties to object to the sale on the basis that proper procedures were not followed or collusion existed between the bidders, for example. This period is usually 10 days, after which the Certificate of Sale is filed and title passes, if the sale is confirmed. If the sale is not confirmed, another sale is ordered. (Reference F.S. Chapter 702)

The lender may sue to obtain a deficiency judgment in Florida.

More information on Florida foreclosure laws.

Stop foreclosure and get foreclosure help in the Florida cities of Alachua, Altamonte Springs, Andover, Apollo Beach, Apopka, Arcadia, Atlantic Beach, Auburndale, Aventura, Avon Park, Azalea Park, Bartow, Bayonet Point, Bayshore Gardens, Beacon Square, Bee Ridge, Bellair-Meadowbrook Terrace, Belle Glade, Bellview, Beverly Hills, Bloomingdale, Boca Del Mar, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Brandon, Brent, Broadview Park, Brooksville, Brownsville, Callaway, Cape Canaveral, Cape Coral, Carol City, Casselberry, Century Village, Cheval, Citrus Park, Citrus Ridge, Clearwater, Clermont, Clewiston, Cocoa, Cocoa Beach, Coconut Creek, Collier Manor-Cresthaven, Conway, Cooper City, Coral Gables, Coral Springs, Coral Terrace, Country Club, Country Walk, Crestview, Cutler, Cutler Ridge, Cypress Gardens, Cypress Lake, Dade City, Dania Beach, Davie, Daytona Beach, De Bary, De Land, Deerfield Beach, Delray Beach, Deltona, Destin, Doctor Phillips, Doral, Dunedin, East Lake, East Perrine, Edgewater, Eglin AFB, Egypt Lake-Leto, Elfers, Englewood, Ensley, Estero, Eustis, Fairview Shores, Fern Park, Fernandina Beach, Ferry Pass, Florida City, Florida Ridge, Forest City, Fort Lauderdale, Fort Myers, Fort Myers Beach, Fort Pierce, Fort Pierce North, Fort Walton Beach, Fountainbleau, Fruit Cove, Fruitville, Gainesville, Gibsonton, Gifford, Gladeview, Glenvar Heights, Golden Gate, Golden Glades, Golden Lakes, Goldenrod, Gonzalez, Goulds, Greater Carrollwood, Greater Northdale, Greater Sun Center, Greenacres, Gulf Gate Estates, Gulfport, Haines City, Hallandale, Hamptons at Boca Raton, Hernando, Hialeah, Hialeah Gardens, Hobe Sound, Holiday, Holly Hill, Hollywood, Homestead, Homosassa Springs, Hudson, Hunters Creek Immokalee, Indian Harbour Beach, Inverness, Inwood, Iona, Islamorada, Ives Estates, Jacksonville, Jacksonville Beach, Jasmine Estates, Jensen Beach, Jupiter, Kendale Lakes, Kendall, Kendall West, Key Biscayne, Key Largo, Key West, Keystone, Kings Point, Kissimmee, Lady Lake, Lake Butter, Lake City, Lake Lorraine, Lake Lucerne, Lake Magdalene, Lake Mary, Lake Park, Lake Wales, Lake Worth, Lake Worth Corridor, Lakeland, Lakeland Highlands, Lakes by the Bay, Lakeside, Lakewood Park, Land O' Lakes, Lantana, Largo, Lauderdale Lakes, Lauderhill, Laurel, Leesburg, Lehigh Acres, Leisure City, Lighthouse Point, Live Oak, Lockhart, Longboat Key, Longwood, Lutz, Lynn Haven, Maitland, Mango, Marathon, Marco Island, Margate, Marianna, McGregor, Meadow Woods, Medulla, Melbourne, Melrose Park, Memphis, Merritt Island, Miami, Miami Beach, Miami Lakes, Miami Shores, Miami Springs, Micco, Middleburg, Milton, Mims, Miramar, Mount Dora, Myrtle Grove, Naples, Naples Park, Neptune Beach, New Port Richey, New Port Richey East, New Smyrna Beach, Niceville, Norland, North Andrews Gardens, North Bay Village, North Fort Myers, North Lauderdale, North Miami, North Miami Beach, North Palm Beach, North Port, North Sarasota, Oak Ridge, Oakland Park, Ocala, Ocoee, Ojus, Oldsmar, Olympia Heights, Opa-locka, Opa-locka North, Orange City, Orange Park, Orlando, Orlovista, Ormond Beach, Ormond-By-The-Sea, Oviedo, Pace, Palatka, Palm Bay, Palm Beach, Palm Beach Gardens, Palm City, Palm Coast, Palm Harbor, Palm River-Clair Mel, Palm Springs, Palm Valley, Palmetto, Palmetto Estates, Panama City, Panama City Beach, Parkland, Pembroke Park, Pembroke Pines, Pensacola, Perry, Pine Castle, Pine Hills, Pinecrest, Pinellas Park, Pinewood, Plant City, Plantation, Poinciana, Pompano Beach, Pompano Beach Highlands, Port Charlotte, Port Orange, Port Salerno, Port St. John, Port St. Lucie, Princeton, Punta Gorda, Quincy, Richmond Heights, Richmond West, Riverview, Riviera Beach, Rockledge, Rotonda, Royal Palm Beach, Ruskin, Safety Harbor, San Carlos Park, Sandalfoot Cove, Sanford, Sanibel, Sarasota, Sarasota Springs, Satellite Beach, Scott Lake, Sebastian, Sebring, Seminole, Shady Hills, Siesta Key, Silver Springs Shores, South Bradenton, South Daytona, South Highpoint, South Miami, South Miami Heights, South Patrick Shores, South Venice, Southeast Arcadia, Southgate, Spring Hill, Springfield, St. Augustine, St. Cloud, St. Pete Beach, St. Petersburg, Stuart, Sugarmill Woods, Sunny Isles Beach, Sunrise, Sunset, Sweetwater, Tallahassee, Tamarac, Tamiami, Tampa, Tarpon Springs, Tavares, Temple Terrace, The Crossings, The Hammocks, The Villages, Thonotosassa, Three Lakes, Titusville, Town 'n' Country, Treasure Island, Union Park, University, University Park, Upper Grand Lagoon, Valparaiso, Valrico, Venice, Venice Gardens, Vero Beach,,Vero Beach South, Villas, Warrington, Wekiwa Springs, Wellington, West Little River, West Melbourne, West Palm Beach, West Pensacola, West Perrine, West Vero Corridor, West and East Lealman, Westchase, Westchester, Westgate-Belvedere Homes, Weston, Westview, Westwood Lakes, Williamsburg, Wilton Manors, Winston, Winter Garden, Winter Haven, Winter Park, Winter Springs, Wright, Yeehaw Junction, Yulee and Zephyrhills.