Sell Your House to Avoid Foreclosure in Florida
Last updated: February 2026
The clock is ticking. Florida's foreclosure process takes 200-300 days. Once it starts, it doesn't stop. A foreclosure on your credit report stays there for 7 years. We can buy your house and close in 7-60 days, helping you avoid that black mark entirely.
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Quick Answer
How fast can you sell a house in foreclosure in Florida? A cash buyer can close in as little as 7-14 days. Florida foreclosures take 180-200 days on average, so you typically have time to sell before the auction date. Selling before foreclosure saves your equity and protects your credit.
Us vs. Franchises: What's the Difference?
| Factor | FL Home Buyers | Franchises |
|---|---|---|
| Negotiation | Yes, we negotiate | Fixed pricing |
| Fair Price | Market-based offers | Lowball offers |
| Local Knowledge | Florida-focused | National chain |
| Flexibility | Custom solutions | One-size-fits-all |
How to Know We're Legit
Worried about scams? Here's how to verify we're the real deal:
Proof of Funds
We can show proof of funds. Ask us. Real buyers have real money.
Local Office
We're based in Palm Beach Gardens, FL. You can visit our office.
BBB A+ Accredited
Check our BBB rating. We're A+ accredited. That means something.
Licensed General Contractor
We're licensed. You can verify our license with the state.
The Foreclosure Clock is Ticking
In Florida, once a foreclosure judgment is entered, the sale date often lands 30-60 days out. Waiting too long can shrink your options. The sooner you act, the more control you have. A foreclosure on your credit report stays there for 7 years.
Why Selling to Us Beats the Foreclosure Timeline
Protect Your Credit
A foreclosure stays on your credit report for 7 years. Selling to us before foreclosure helps you avoid that black mark entirely. Your credit score takes a smaller hit. You can recover faster.
Fast Closing
We can close in 7-60 days. Florida's foreclosure process takes 200-300 days. We can close well before the foreclosure. You get cash. You move on. No waiting.
Save Your Equity
If you have equity in your home, selling to us lets you keep it. In foreclosure, you may lose everything. The bank takes the house. You get nothing. Selling gives you cash to start over.
No Deficiency Judgment
If you owe more than the house is worth, selling to us can help you avoid a deficiency judgment. That's when the bank sues you for the difference. It can follow you for years. We can help structure the sale to minimize or avoid it.
How We Handle Foreclosure
Here's how we can help:
- We assess your situation. We look at your house. We check what you owe. We figure out what it's worth. We give you a real number. No fluff. No games.
- We work with title companies that specialize in handling mortgage payoffs and foreclosure situations. They know the process. They can help negotiate with your lender.
- We can close in 7-60 days—well before most foreclosures finalize. You get cash. You move on. The foreclosure stops.
- By selling before foreclosure, you avoid the credit damage. Your credit score takes a smaller hit. You can recover faster. You can buy another house sooner.
- If you owe more than the house is worth, we can help structure the sale to minimize or avoid deficiency judgments. We work with your lender to find solutions.
Want to learn more? Check out how it works or read our blog post about selling fast in Florida.
Real Example
A homeowner in West Palm Beach was 4 months behind on payments. The foreclosure lawsuit was filed. The house was worth $350,000. They owed $320,000. We bought it for $330,000. We paid off the mortgage. They walked away with $10,000 in cash. Plus they avoided the foreclosure on their credit. They closed in 21 days. Well before the foreclosure would have been finalized. They got a fresh start. Their credit took a smaller hit. They could recover faster.
Florida Foreclosure Law
Reference: Florida Statutes §45.031
- Florida is a judicial foreclosure state — the lender must file a lawsuit and get a court judgment before selling your home.
- Average foreclosure timeline: 180–300 days from lis pendens to sale (ATTOM Data Solutions, 2025).
- Florida had 35,973 foreclosure filings in 2025, a 15% increase year-over-year (ATTOM Q4 2025 Report).
- Under §45.031(1)(a), the court must publish a notice of sale for 2 consecutive weeks before the auction date.
- Deficiency judgments are allowed under §702.06 — the lender can sue you for the balance if the sale price doesn't cover the debt.
- You have the right of redemption until the clerk files the certificate of sale — meaning you can sell to us right up until the last day.
Legal Questions Specific to Your Situation
What is judicial foreclosure in Florida?
Florida requires lenders to file a lawsuit in court to foreclose. This gives you time — typically 180–300 days — to explore alternatives like selling to a cash buyer before the auction date. Under §45.031, the court must publish a notice of sale for two consecutive weeks before the sale can proceed.
Can I sell my house after a lis pendens is filed?
Yes. A lis pendens (notice of pending litigation) is filed at the start of foreclosure, but you retain ownership until the court enters a final judgment and the clerk issues a certificate of sale. You can sell at any point before that, including to a cash buyer like us.
What is a deficiency judgment in Florida?
Under Florida Statute §702.06, if your home sells at auction for less than what you owe, the lender can sue you for the difference (the "deficiency"). Selling before foreclosure helps you avoid this because the sale pays off the mortgage directly.
Florida ranks #3 in the nation for foreclosure filings as of January 2026, with 1 in every 2,067 housing units receiving a filing — marking 11 consecutive months of year-over-year increases. The state recorded 3,523 new foreclosure starts in January alone, plus 327 completed foreclosures. Distressed sales account for 2% of total Florida sales. Florida's judicial foreclosure process takes 8–12 months on average, and lenders must wait at least 120 days of missed payments before filing.
📊 2026 Florida Foreclosure Data
Source: Florida Realtors®, ATTOM Data, Houzeo, Citizens Florida · Data as of February 2026
Don't Wait—Act Now
The longer you wait, the less time you have. Get a cash offer today and protect your credit.
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