Time is Critical in Foreclosure
The earlier you act, the more options you have. Once a foreclosure sale date is set, your choices narrow significantly. If you've missed payments or received a notice of default, contact Marie today — don't wait.
Foreclosure Help — FloridaFacing Foreclosure?
Facing Foreclosure?
You Have Options.
Florida's foreclosure process can feel overwhelming — but early action opens doors. Marie Sanjurjo has helped hundreds of Miami-Dade homeowners find a path forward. Let's talk confidentially, at no cost.
🔒 100% Confidential💬 Free Consultation⚡ 20+ Years Experience
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What to Expect
Florida's Foreclosure Process
1
Missed Payments & Notice of Default
After missing payments, your lender sends a formal notice of default, beginning the clock on the foreclosure timeline.
2
Notice of Lis Pendens Filed
The lender files a lawsuit and records a Lis Pendens — a public notice that foreclosure proceedings have begun. This is the formal start of legal action.
3
Court Proceedings
As a judicial foreclosure state, your case goes through Florida courts. You have the right to respond and contest the foreclosure — which creates time to explore alternatives.
4
Final Judgment & Sale Date
If uncontested, the court issues a final judgment and sets a foreclosure sale date. Properties are typically sold at online auction through the county clerk's website.
5
Post-Sale & Deficiency
After the sale, the lender may pursue a deficiency judgment for any remaining balance owed. An experienced real estate attorney can help minimize this risk.
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Marie Is Here to Help
Marie I. Sanjurjo is a licensed broker with over 20 years of experience helping Miami-Dade homeowners navigate even the most complex situations. When you work with Marie, you get:
- A free, confidential consultation to understand your situation
- An honest assessment of your home's current market value
- Clear explanation of all your options — no pressure, no judgment
- Expert short sale negotiation if needed
- Referrals to trusted foreclosure attorneys and HUD counselors
- Bilingual support — English and Spanish
Florida Foreclosure Timeline
Day 1–90
Pre-Foreclosure Window
Most options still available. Best time to negotiate loan modification or plan a sale.
Day 90–180
Lis Pendens Filed
Legal proceedings begin. Short sale or other alternatives still possible with urgency.
6 Months–2 Years
Court Process
Timeline varies significantly based on court docket and whether you respond to the lawsuit.
Final Stage
Foreclosure Sale
Property sold at auction. Options become extremely limited at this stage.
Your Path Forward
6 Ways to Avoid or Minimize Foreclosure
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Loan Modification
Work with your lender to permanently change your loan terms — lower rate, extended term, or reduced principal.
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Forbearance
Temporarily pause or reduce payments while you recover from a financial hardship such as job loss or medical crisis.
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Short Sale
Sell your home for less than you owe with lender approval. Less damaging to credit than foreclosure.
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Deed in Lieu
Voluntarily transfer ownership to the lender in exchange for release of your mortgage obligation.
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Refinancing
If you still have equity, refinancing to a lower rate or longer term can make payments manageable again.
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Bankruptcy
Chapter 13 can create a court-supervised repayment plan that halts foreclosure while you catch up.
Common Questions
Foreclosure FAQs
How long does the foreclosure process take in Florida?+
Will foreclosure ruin my credit?+
Can I sell my home to avoid foreclosure?+
What is a short sale and how does it work?+
Is there help available for Florida homeowners?+
Don't Face Foreclosure Alone
Every situation has a solution when you act early. Marie Sanjurjo offers a completely free, confidential consultation to explore your options — with no pressure and no judgment. Take the first step today.