Sell Your Behind on Payments House Fast in Florida

Florida is a judicial foreclosure state, meaning your lender must file a lawsuit in circuit court and obtain a judge's order before your home can be sold — a process that, depending on court backlog, can take anywhere from 6 months to well over a year from the first missed payment. Under Florida Statute §702.01, the foreclosure complaint can be filed after you are typically 120 days delinquent, which aligns with federal mortgage servicing rules that prohibit servicers from initiating foreclosure before that threshold. Once the lis pendens is recorded and the court issues a final judgment of foreclosure, a sale date is scheduled through the county clerk — usually on an online auction platform — giving you a narrow but real window to act. Before that auction date, Florida law allows you to pursue options including loan reinstatement (paying all arrears to bring the loan current), a short sale, a deed in lieu of foreclosure, or selling the home outright to a cash buyer who can close quickly enough to stop the auction.

• Cash offer within 24 hours
• Close in 7 days or on your schedule
• Buy as-is — no repairs required
• We pay all closing costs
• No agents, no commissions