By Prop Hunters · Updated October 16, 2026 · Miami Lakes, FL
Florida handles foreclosure through the courts, and you can generally sell your house at any time before the foreclosure sale. If the sale pays off the lender, it can end the case. Florida also lets a borrower redeem — pay what the judgment requires — until the later of the clerk’s filing of the certificate of sale or the deadline in the judgment. Deadlines are set by the court, so talk to a Florida foreclosure attorney or housing counselor right away.
Under Fla. Stat. § 45.0315, a borrower can cure the debt and stop the sale by paying the amount specified in the judgment at any time before the later of the filing of the clerk’s certificate of sale or the time specified in the judgment. In practice, that means a sale or payoff has to happen before those deadlines. Your attorney can tell you the exact dates in your case.
HUD-approved housing counselors give free or low-cost foreclosure advice — you can find one here. Be careful with anyone who asks for an up-front fee to “save” your home or asks you to sign over the deed. A legitimate buyer pays you at closing through a title company.
Yes. You can sell any time before the foreclosure sale, and the sale can end the case if the lender is paid off. Timing matters, so start early.
It depends on your case. The court’s final judgment sets the sale date. Your attorney or the court docket will show it.
In some cases a lender can seek a deficiency. Ask your attorney, and if you’re doing a short sale, ask for a waiver in writing.
Yes, we look at houses in foreclosure. Send us the address and the case details and we’ll tell you whether the timing works.
This guide is general information, not legal or tax advice. Florida law changes, and every situation is different — talk to a Florida attorney or tax professional about yours.