How Long Does Foreclosure Take in Florida?
Last updated: February 2026
Quick Answer
Florida foreclosure takes 200-300 days on average. Because Florida is a judicial foreclosure state, the lender must go through court. This gives you time to sell the house before the foreclosure sale.
Florida Foreclosure Timeline
First Missed Payment
Grace period begins. Lender contacts you about the missed payment.
Default Notice Sent
Lender sends notice of default and attempts contact. Late fees accumulate.
Lis Pendens Filed
Foreclosure lawsuit filed with the court. This becomes public record.
Court Process
Hearings, motions, and summary judgment. This is where delays often occur.
Foreclosure Sale
Property sold at auction. You can sell until this date.
You Have Time to Sell
The 200-300 day timeline means you have months to explore options. Selling before the foreclosure sale:
- Protects your credit — A foreclosure drops your score 100-160 points
- Lets you keep equity — Get cash for any value above what you owe
- Avoids deficiency judgment — In some cases, lenders pursue the shortfall
- Gives you control — Choose your closing date instead of waiting on court
We Can Close in 7-14 Days
If you're facing foreclosure, time is critical. We can:
- Give you a cash offer within 24-48 hours
- Close in 7-14 days—before your sale date
- Coordinate with your lender for accurate payoff
Don't wait. Call (561) 258-9405 today.