Behind on payments?
You still have options.
A foreclosure notice feels like a clock running out — but in Florida the process takes months, and you can sell any time before the auction.
Foreclosure sellers ask us
Can I sell my house if I'm already in foreclosure in Florida?
Yes. In Florida you own the house until the foreclosure sale is confirmed — which means you can sell it any time before then. A cash sale pays off the mortgage at closing and you keep whatever equity is left, instead of watching it disappear at auction.
How long do I have before the foreclosure auction in Florida?
Florida foreclosures typically take 6 to 18 months from the lis pendens filing to auction day, though uncontested cases can move faster. Once the court enters a final judgment, the auction is usually set 30 to 45 days out. Your exact timeline is in your court file — and the Broward Clerk of Courts publishes auction schedules online.
What happens to my equity if the bank forecloses?
At auction the property sells to the highest bidder, and the proceeds pay the lender, court costs, and fees first. Late fees, attorney fees, and court costs pile up during the case and eat into whatever equity you had. Selling before the auction lets you capture that equity yourself instead.
Can the bank come after me for the remaining balance after foreclosure?
In Florida, lenders can pursue what's called a deficiency judgment — the difference between what you owed and what the auction brought — in some cases. This is exactly the kind of question to take to a foreclosure defense attorney, and the sooner the better. Selling before auction avoids the question entirely.
My auction date is only weeks away — is it too late?
Not necessarily. A cash sale can close in 7 to 21 days, and we've worked against real auction dates before. Call us the moment you know the date — the sooner we start, the more room we have. We won't promise what we can't deliver, but we'll tell you straight whether the timeline works.
Do I have to catch up the missed payments before selling?
No. The missed payments, late fees, and legal costs are paid off from the sale proceeds at closing by the title company. You don't need to bring a dollar to the table — you receive whatever is left after the debts are settled.
Is selling to a cash buyer during foreclosure legitimate?
Legitimate cash buyers provide proof of funds, close at a licensed title company, and never pressure you. We disclose up front — in writing, before you sign — that we're a real estate investment buyer and may assign the contract. And we're buyers, not lawyers: for foreclosure defense questions, we'll always point you to a foreclosure attorney.
“We buy as-is for cash, pay off the mortgage at closing, and you keep your equity instead of losing it on the courthouse steps.”
What happens, and when
We're buyers, not lawyers — and for foreclosure defense you should talk to a foreclosure attorney. But here's the general picture in Florida, so you know where you stand.
It starts with a lawsuit, not a lockout
Florida foreclosures go through court. The lender files a lis pendens — a public notice that a foreclosure lawsuit has started — and you get served. You then have about 20 days to respond to the court. Nobody is changing your locks at this stage.
The timeline is months, not days
From the lis pendens filing to auction day typically takes 6 to 18 months in Florida, depending on the court and whether the case is contested. That window is your opportunity: it's time you can use to sell on your own terms.
The auction gets a real date
Once the court enters a final judgment, the auction is usually scheduled 30 to 45 days out. The Broward Clerk of Courts publishes foreclosure auction schedules online, so your exact date is public record — look it up and plan around it.
You can sell until the gavel falls
You own the house until the foreclosure sale is confirmed. That means a sale any time before then pays off the mortgage and stops the case. Florida has no post-sale right to buy the house back after auction — so before the sale is when your options live.
You’re not out of options until the auction is confirmed. The earlier you call, the more options you have — but even late in the process, it’s worth a conversation.
Why selling beats the auction
Your equity is on the line
At auction, the property sells to the highest bidder — often an investor hunting a discount, not a family paying market price. The proceeds pay the lender, court costs, and fees first. Whatever equity you built up can evaporate in a single morning.
Fees pile up while you wait
Every month of the foreclosure case adds to what you owe: late fees, the lender's attorney fees, court costs, interest. The longer the case runs, the bigger the payoff number grows — and the smaller your share gets.
The deficiency risk
In plain English: if the auction brings in less than you owe, the lender may be able to pursue you for the difference — called a deficiency. Whether that applies to your case is a question for a foreclosure attorney. Selling before auction avoids the question entirely.
A sale is a sure thing; an auction is a gamble
With a cash sale you get a fixed number, a closing date you choose, and the mortgage paid off in full. At auction you get whatever the bidding brings — and no say in any of it. Certainty has real value when the clock is ticking.
If any of this sounds familiar, call us today
The earlier you call, the more options you have. But even late in the process, it's worth a conversation.
You have the most time and the most options right now. Let's get your number on the table early.
Call us the day you learn the date. If the timeline works, we'll move heaven and earth to beat it.
Missed payments but no lawsuit yet? This is the easiest point to sell — maximum equity, minimum stress.
Multiple liens get sorted at closing by the title company. One sale clears them all.
Behind on HOA dues as well as the mortgage? Both get paid from the proceeds — nothing out of pocket.
If the loan mod didn't work out or the payments still don't fit, selling may be the cleaner exit.
Where to look things up yourself
Broward Clerk of Courts — Foreclosure Auctions
Foreclosure case filings and auction schedules for Broward County are public record through the Clerk of Courts. Look up your case to see exactly where you stand and when the sale is set.
- Broward Clerk of Courts — case search & auction schedules
- Broward County Property Appraiser — ownership & values
Free HUD-approved housing counseling
The U.S. Department of Housing and Urban Development funds free, legitimate foreclosure counseling — no sales pitch, no fees. A counselor can walk through every option, including ones that don't involve selling. We're buyers, not counselors: we'll never pretend otherwise.
Talk to a foreclosure attorney
Defenses, timelines, deficiency exposure — a Florida foreclosure attorney can answer in one consultation what the internet can't. Many offer free first calls, and the earlier you go, the more leverage you have.
The part other cash buyers don't put on their site
When you sell to us, you're selling directly to a real estate investment buyer — not listing through a brokerage. Our founder is a licensed Florida real estate agent, but in this deal we're the buyer, not your agent. We're not acting as your representative or in a fiduciary role for you: we're purchasing for our own account, and we intend to profit by improving, reselling, or assigning the property. You are always free to hire your own real estate agent or attorney, and we encourage you to compare our offer against your other options before signing anything.
Find out what your options really are — before the auction decides for you
One conversation, no pressure, no obligation. The worst outcome is doing nothing while the clock runs.