Florida foreclosure laws: how the process works and how long it takes

Every Florida foreclosure is a lawsuit in circuit court, and the deadlines inside it are short.

Photo of Ross Kilburn
By Ross Kilburn
Law checked Mar 4, 2026. Deadlines rechecked Nov 4, 2026. HOA rules rechecked Nov 3, 2026. · See the 21 sources · How we check our guides
Data from

Florida at a glance

Does a Florida foreclosure go through a court?
Yes: every mortgage foreclosure in Florida is a lawsuit in circuit court.
How long do you have to answer the lawsuit?
20 days after you're served with the summons and complaint.
How long does it take?
No law sets a length; the case moves at the court's pace, but the sale is set 20 to 35 days after the final judgment.
How far behind can you get before it starts?
Usually more than 120 days, which is about four months of missed payments.
Can you get the house back after the auction?
Only until the clerk files the certificate of sale, by paying the full judgment.
Can the lender come after you for what the sale doesn't cover?
Possibly, if a judge allows it, but for a home you live in it's limited by the home's fair market value, and the lender has one year to sue.
Is there mediation?
Not statewide since 2011, though a judge can send your case to mediation.
How many Florida homeowners are 90+ days behind?
The share of borrowers with a mortgage who were 90+ days behind was 1.5% in the first quarter of 2025, higher than the U.S. (1.2%). How Florida compares

You've been served with Florida foreclosure papers: you have 20 days

File a written answer with the circuit court within 20 days after you're served with the summons and complaint. If you miss it, the lender can ask for a default judgment (an automatic win for the lender). (Fla. R. Civ. P. 1.140(a))

Your answer is where you raise your defenses. Common ones in Florida are that the lender can't prove it holds the original note, that it skipped a notice your mortgage required, or that it waited too long to sue. (Fla. Stat. 702.015)

If you first file a motion, such as a motion to dismiss, and the judge denies it, your answer is due 10 days after that order unless the judge sets another date. (Fla. R. Civ. P. 1.140)

Watch for an order to show cause. Florida lets a lender ask for a fast-track hearing. If you get an order to show cause, file your defenses before the hearing or go to it. If you do neither, the judge can enter a final judgment against you at that hearing. (Fla. Stat. 702.10)

Legal aid can help you answer for free if your income qualifies, and the Florida Bar's referral service can find you a lawyer for a low first fee. Both are listed under free help.

How long does foreclosure take in Florida?

No Florida law sets how long the court case takes, but once the judge enters a final judgment, the sale is set 20 to 35 days later. Before that, each circuit court moves at its own pace.

Here are the steps in order, with the deadlines the law does set.

The 10 steps of a foreclosure in Florida, and the time the law gives each

Each step in order, with the time the law gives it. 5 of the 10 have a time set in law; "No set time" means the court sets the pace.

  1. 120+ days behind You fall behind on payments
  2. No set time The lender files the case in court
  3. No set time Recording of lis pendens
  4. Within 120 days You're served with the court papers
  5. 20 days You answer the lawsuit
  6. No set time Order to show cause
  7. No set time The judge decides the case
  8. No set time The judge signs the final judgment and sets the sale date
  9. 20–35 days after judgment The home is sold at auction
  10. Within 10 days The buyer gets the deed
Source: Florida law and federal rules, as cited at each step; American Default Research state law file, checked Mar 4, 2026 American Default Research · americandefault.org/help/laws/florida/
Each step in detail, with the law behind it
  1. You fall more than 120 days behind. Your mortgage company usually can't file before then. Your mortgage may also require a letter giving you time to catch up. (12 CFR 1024.41(f))
  2. The lawsuit is filed, and a notice of the case (lis pendens) is recorded against the home. The complaint must say the lender holds the original note, or explain why it can enforce it anyway. (Fla. Stat. 48.23, 702.015)
  3. You're served, usually in person or at home. The lender has 120 days after filing to serve you. (Fla. Stat. 48.031; Fla. R. Civ. P. 1.070(j))
  4. Your answer is due 20 days after you're served. (Fla. R. Civ. P. 1.140)
  5. Summary judgment or trial. A judge, not a jury, decides. (Fla. Stat. 702.01)
  6. Final judgment. The judge sets the total you owe and the sale date. You have 15 days to ask for a rehearing, and generally 30 days to appeal. (Fla. Stat. 45.031; Fla. R. Civ. P. 1.530(b))
  7. The sale notice runs on a public website for at least two weeks, or in a newspaper once a week for two weeks. (Fla. Stat. 45.031(2))
  8. The clerk's auction, usually 20 to 35 days after the judgment, often online. The winning bidder puts down 5% at the sale. (Fla. Stat. 45.031)
  9. Certificate of sale, then certificate of title. The clerk files a certificate of sale right after the auction. Anyone can object within 10 days. If nobody does, the clerk files a certificate of title, and the home belongs to the buyer. (Fla. Stat. 45.031(4)–(8))

How far behind can you get before a Florida foreclosure starts?

Your mortgage company usually can't file a foreclosure until you're more than 120 days behind, which is about four months of missed payments. The rule is federal and covers most loans on the home you live in. It has exceptions, such as a reverse mortgage, or a sale or transfer of the home without the lender's OK.

A Florida foreclosure usually can't start until you're more than 120 days behind

Days behind on your mortgage, against the federal waiting period before filing a foreclosure case or starting a nonjudicial foreclosure

Source: 12 CFR 1024.41(a), (f); Fla. R. Civ. P. 1.120(c); mortgage instrument terms American Default Research · americandefault.org/help/laws/florida/

By your 36th day behind, your mortgage company (the servicer, the company that sends your monthly statement) generally has to try to reach you, and by day 45 it generally has to send a letter about help options. (12 CFR 1024.39)

Florida adds no notice of its own, but your mortgage may require a letter giving you time to catch up before the lawsuit. If it does and the lender skipped it, that's a defense in your answer. (Fla. R. Civ. P. 1.120(c))

Can you stop a foreclosure in Florida?

Sometimes. These are the ways the law allows, and none of them is guaranteed. Each one has a deadline.

Answer the lawsuit within 20 days. An answer keeps the case from ending by default and lets you raise defenses.

Apply for help from your mortgage company. Ask for a loan modification (a permanent change to your loan's terms) or a pause on payments (forbearance). If your complete application reaches your mortgage company more than 37 days before a sale date, it generally can't move for judgment or hold the sale until it decides. Federal law doesn't require it to offer you any particular option. (12 CFR 1024.41(g))

Catch up, if your mortgage allows it. Florida law doesn't give you a right to end the case by paying only what you're behind; your mortgage decides that. Ask your mortgage company in writing for the amount to catch up in one payment.

Pay off the judgment before the certificate of sale. That's the buy-back right explained below, and it takes the full amount. (Fla. Stat. 45.0315)

Sell first. You can sell the home yourself, or ask your lender to approve a sale for less than you owe (short sale). Florida doesn't automatically erase the rest after a short sale, so get any release in writing.

File for bankruptcy. Filing usually pauses a foreclosure while the bankruptcy lasts (automatic stay). If you had a bankruptcy case dismissed in the past year, the pause can last only 30 days or not start at all. All three of Florida's federal bankruptcy courts run a mortgage modification mediation program. (11 U.S.C. 362(c)(3)–(4))

If you're on state active duty, Florida law lets the court pause a foreclosure filed during your service, and a sale during your service or within 30 days after is invalid without an earlier court order. (Fla. Stat. 250.5201–250.5205)

If your sale date is days away, a HUD-approved housing counselor or legal aid can help right away. Both are free: the map of HUD-approved counselors in Florida and the legal aid listing are below.

Can you get your house back after a Florida foreclosure sale?

Only for a very short time. You can buy the home back (redeem) until the clerk files the certificate of sale, or a later time set in the judgment, whichever comes last. The clerk files that certificate right after the auction. (Fla. Stat. 45.0315)

It takes the full amount in the judgment, including interest, fees and the lender's lawyer's fees, not just what you're behind.

After that, Florida has no right to buy the home back. You, or any party, can still object to the sale or the bid within 10 days after the certificate of sale is filed. (Fla. Stat. 45.031(5), (8))

Deadlines for stopping a foreclosure in Florida

Florida law gives no right to catch up. Your mortgage decides whether you can, and what it costs.

Deadlines for catching up, after the sale and other steps in Florida
Kind of foreclosureDeadlineWhat starts the clock
Through a court Your loan papers decide We found no catch-up deadline in the law for this kind of foreclosure, so your loan papers decide. The state's right to stop the sale requires paying the full debt. Source Fla. Stat. § 45.0315
After the sale
Through a court Until the clerk files the certificate of sale, or later if your judgment allows The deadline is the later of two dates: when the court clerk files the certificate of sale, or the time set in your foreclosure judgment. You must pay the full debt and costs. Source Fla. Stat. § 45.0315
Other deadlines and rules
Any foreclosureLoan modification services agreements Within 3 business days after you sign That is how long you have to cancel the agreement without any penalty or obligation. This applies to a covered loan modification services agreement. Source Fla. Stat. § 494.00296
Through a courtAny home Within 20 days after you are served Serve your written answer to the foreclosure complaint by then. A different statute or court order can change the time, and publication can set a stated date. Source Fla. R. Civ. P. 1.140(a)(1)
Through a courtAny home Within 10 days after the clerk files the certificate of sale File any objection to the foreclosure sale by then. Source Fla. Stat. § 45.031
Through a courtAny home Within 10 days after the certificate of disbursements is filed Serve any objection to the clerk's report of how the sale money was paid out by then. Source Fla. Stat. § 45.031
Without a courtTimeshare, assessment foreclosure At least 30 days after the default notice is perfected The trustee has to wait that long before it uses the power of sale on a timeshare interest. The statute decides when the notice counts as perfected. Source Fla. Stat. § 721.855
Without a courtTimeshare, assessment foreclosure At least 30 days after the notice of sale is recorded The trustee can't hold the timeshare sale sooner than that. Source Fla. Stat. § 721.855
Without a courtTimeshare, mortgage foreclosure At least 30 days after the default notice is perfected The trustee has to wait that long before it uses the power of sale on a timeshare interest. The statute decides when the notice counts as perfected. Source Fla. Stat. § 721.856
Without a courtTimeshare, mortgage foreclosure At least 30 days after the notice of sale is recorded The trustee can't hold the timeshare sale sooner than that. Source Fla. Stat. § 721.856
Through a courtHillsborough County mediation cases Within 15 days after the order of referral to mediation You can ask for the plaintiff's disclosure for mediation by then, using the Borrower's Request for Plaintiff's Disclosure form. This applies if the court enters the Hillsborough referral order. Source Florida law
Through a courtServed by publication Within 30 days after the first publication of the notice File your written defenses with the clerk of the court by then and serve a copy on the plaintiff or its attorney. Source Fla. Stat. § 49.09
Through a courtNot owner-occupied homes At least 24 hours after the sheriff posts notice For a writ under section 702.10(2), the sheriff posts notice on the premises and may put the landlord in possession after 24 hours. Saturdays, Sundays and legal holidays don't stop that period. Source Florida law
Through a courtShow cause foreclosure procedure At least 20 days after the show cause order is served The show cause hearing can't be sooner than the later of that date or 45 days after the complaint is served. This is the earliest hearing date, not your response deadline. Source Fla. Stat. § 702.10
Through a courtShow cause foreclosure procedure At least 45 days after the complaint is served The show cause hearing can't be sooner than the later of that date or 20 days after the show cause order is served. This is the earliest hearing date. Source Fla. Stat. § 702.10
Through a courtNot owner-occupied homes At least 20 days after the payment show cause order is served In the separate interim payment or vacate procedure, the hearing can't be set sooner than that. The procedure does not apply to an owner-occupied residence. Source Fla. Stat. § 702.10
Through a courtAny home At least 20 days after the final judgment The clerk's sale set in the judgment can't happen sooner than that. Source Fla. Stat. § 45.031(1)(a)
Through a courtAny home Up to 35 days after the final judgment The court normally sets the sale by then. A later date is allowed if the plaintiff or its attorney consents. Source Fla. Stat. § 45.031(1)(a)

Will you owe money after a Florida foreclosure?

You may. A judge can enter a judgment for the leftover balance, but doesn't have to. (Fla. Stat. 702.06)

For a home you live in, the leftover balance can't be more than what you owed minus the home's fair market value on the sale date, so a low winning bid doesn't raise what you owe. A home with a homestead tax exemption is presumed to be one you live in. (Fla. Stat. 702.06)

For a home with one to four units, the lender has one year to sue for the leftover balance, counted from the day after the clerk issues the certificate, or the day after it accepts a deed in lieu. (Fla. Stat. 95.11(6)(g))

If you give the home back to the lender (deed in lieu) or sell in a short sale, ask the lender to release the leftover balance in writing.

Is there money left over after a Florida foreclosure sale?

Sometimes, and it's yours to claim. If the sale brings in more than the judgment, the clerk holds the extra. You, as the owner on the date the case was filed, are presumed entitled to it after any other lienholders who file claims on time. (Fla. Stat. 45.032)

File your claim with the clerk. One year after the sale, unclaimed money goes to the state's unclaimed property office, and you can still claim it there. (Fla. Stat. 45.032, 717.117)

You don't need to pay anyone to claim it. If you sign your claim over to a company, Florida caps its cut at 12% and requires the paper to say you don't need a lawyer or anyone else to get the money. (Fla. Stat. 45.033)

Is there foreclosure mediation in Florida?

Not statewide. The Florida Supreme Court ended its statewide foreclosure mediation program on December 19, 2011.

A judge can still send your case to mediation, where a mediator helps you and the lender try to agree. In Hillsborough County (Tampa), the circuit court has a standard order sending foreclosure cases to mediation. Ask the court handling your case. (Fla. R. Civ. P. 1.700–1.730)

If you're in bankruptcy, each of Florida's three federal bankruptcy courts (Miami, Jacksonville-Orlando-Tampa, and Pensacola-Tallahassee) runs a mortgage modification mediation program.

Can your HOA or condo association foreclose in Florida?

If you fall behind on association dues, the association can put a lien on your home. If it forecloses for unpaid dues, these rules apply, not the mortgage deadlines.

Where a row says “Not found in the law,” the sections we read don't address that point. It doesn't mean the answer is no.

Can it foreclose, and how?

Yes. HOAs, condo associations, and co-op associations can sue in court to foreclose assessment liens under their separate laws.

Read the law's words
“…in the same manner that a mortgage of real property is foreclosed and may also bring an action to recover a money judgment for the unpaid assessments without wa…” leg.state.fl.us

Is there a minimum debt or a waiting period?

Not found in the law

What notices come first?

For an HOA, the association has to give you 45 days to pay before it files a lien. After it gives notice of intent to foreclose, it has to wait another 45 days. A condo association has to wait at least 45 days after its foreclosure notice before judgment. A co-op association has to give you 45 days before it files a lien.

Read the law's words
“Provide the owner with 45 days following the date the notice is deposited in the mail to make payment for all amounts due, including, but not limited to, any at…” leg.state.fl.us

Do you have a right to a payment plan?

Not found in the law

Can the HOA's claim go ahead of the mortgage?

These laws generally put a recorded first mortgage ahead of an association lien. They don't give regular dues a six- or nine-month priority ahead of that mortgage.

Read the law's words
“However, as to first mortgages of record, the lien is effective from and after recording of a claim of lien in the public records of the county in which the par…” leg.state.fl.us

What protects you?

In an HOA case, if you're eligible, you can file one qualifying offer to pay the lien. This can pause the court case for up to 60 days.

Read the law's words
“…the parcel owner may serve and file with the court a qualifying offer at any time before the entry of a foreclosure judgment. For purposes of this subsection, t…” leg.state.fl.us

Can you buy the home back after the sale?

Not found in the law

Source Florida law

Who these rules cover: The Homeowners’ Association Act covers HOAs; the Condominium Act covers condos; the Cooperative Act covers co-ops.

How Florida compares

Florida is the only one of the three that requires a court. Alabama and Georgia sell most foreclosed homes without one.

Florida's share of borrowers with a mortgage who are 90+ days behind is under half its 2010 peak

Share of Florida borrowers with a mortgage who have one 90+ days past due, quarterly, Q1 2005 to Q1 2025

0% 5% 10% 15% U.S. 1.2% Q1 2005Q3 2007Q1 2010Q3 2012Q1 2015Q3 2017Q1 2020Q3 2022Q1 2025 Q1 2025 1.5% 0% 5% 10% 15% U.S. 1.2% Q1 2005Q1 2010Q1 2015Q1 2020Q1 2025 Q1 2025 1.5%
Source: Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from Federal Reserve Bank of New York Consumer Credit Panel / Equifax. Q1 2025 American Default Research · americandefault.org/help/laws/florida/

Florida is tied for 6th place for the share of mortgages 90+ days behind, of the 50 states and D.C.

Share of borrowers with a mortgage who have one 90+ days past due, by state, Q1 2025. Dashed line: the U.S.

Louisiana: 2.5%Mississippi: 2.1%Nevada: 1.6%Texas: 1.6%West Virginia: 1.6%Alabama: 1.5%Florida: 1.5%Georgia: 1.5%New York: 1.5%Oklahoma: 1.5%South Carolina: 1.5%D.C.: 1.4%New Mexico: 1.4%Arkansas: 1.3%Connecticut: 1.3%Delaware: 1.3%Kentucky: 1.3%Maryland: 1.3%Pennsylvania: 1.3%Illinois: 1.2%Indiana: 1.2%New Jersey: 1.2%Arizona: 1.1%Missouri: 1.1%North Carolina: 1.1%Ohio: 1.1%Rhode Island: 1.1%Kansas: 1.0%Michigan: 1.0%Tennessee: 1.0%California: 0.9%Hawaii: 0.9%Iowa: 0.9%Maine: 0.9%South Dakota: 0.9%Virginia: 0.9%Vermont: 0.9%Alaska: 0.8%Colorado: 0.8%Massachusetts: 0.8%Minnesota: 0.8%Montana: 0.8%North Dakota: 0.8%Nebraska: 0.8%Oregon: 0.8%Idaho: 0.7%New Hampshire: 0.7%Washington: 0.7%Wyoming: 0.7%Utah: 0.6%Wisconsin: 0.6% U.S. 1.2% Florida 1.5% Highest Lowest Louisiana: 2.5%Mississippi: 2.1%Nevada: 1.6%Texas: 1.6%West Virginia: 1.6%Alabama: 1.5%Florida: 1.5%Georgia: 1.5%New York: 1.5%Oklahoma: 1.5%South Carolina: 1.5%D.C.: 1.4%New Mexico: 1.4%Arkansas: 1.3%Connecticut: 1.3%Delaware: 1.3%Kentucky: 1.3%Maryland: 1.3%Pennsylvania: 1.3%Illinois: 1.2%Indiana: 1.2%New Jersey: 1.2%Arizona: 1.1%Missouri: 1.1%North Carolina: 1.1%Ohio: 1.1%Rhode Island: 1.1%Kansas: 1.0%Michigan: 1.0%Tennessee: 1.0%California: 0.9%Hawaii: 0.9%Iowa: 0.9%Maine: 0.9%South Dakota: 0.9%Virginia: 0.9%Vermont: 0.9%Alaska: 0.8%Colorado: 0.8%Massachusetts: 0.8%Minnesota: 0.8%Montana: 0.8%North Dakota: 0.8%Nebraska: 0.8%Oregon: 0.8%Idaho: 0.7%New Hampshire: 0.7%Washington: 0.7%Wyoming: 0.7%Utah: 0.6%Wisconsin: 0.6% U.S. 1.2% Florida 1.5% Highest Lowest
Source: Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from NY Fed Consumer Credit Panel / Equifax. Q1 2025 American Default Research · americandefault.org/help/laws/florida/
Florida and its neighbors: mortgages 90+ days behind and State Distress Index rank
State90+ days behind, Q1 2025Distress rank (score)
Florida 1.5% 3rd (96)
Alabama 1.5% 14th (74)
Georgia 1.5% 7th (88)

The share counts people with a mortgage on their credit report, not loans or dollars. Ranks are of 51 (the 50 states and D.C.); 1st is the most distressed. Florida's full distress profile and county scores.

Other Florida laws that can affect homeowners

State laws can change. Each entry links to the cited source and shows when that source was fetched.

State foreclosure-rescue and mortgage-help laws

Florida covers foreclosure-rescue services supplied in return for money or other valuable consideration. A written agreement must precede service, state exact services and charges, be available one business day before signing, and include a three-business-day cancellation right. No payment may be received until all services are completed.

“in return for payment of money or other valuable consideration”
Source Fla. Stat. § 501.1377Fetched October 7, 2026

Foreclosure laws in another state

The process and the deadlines change at every state line.

Free help in Florida

Florida has 67 HUD-approved housing counseling agencies

The 67 whose HUD listing includes foreclosure or mortgage delinquency counseling, one dot per office, as of Nov 4, 2026. The listing below names them all.

Source: U.S. Department of Housing and Urban Development, Housing Counselor list American Default Research · americandefault.org/help/laws/florida/

A HUD-approved housing counselor. A housing counselor works at a nonprofit the U.S. Department of Housing and Urban Development has approved, and foreclosure counseling from one is free. A counselor can help you apply for help and deal with your mortgage company. HUD lists 67 approved agencies in Florida, and HUD's line is 800-569-4287.

Legal aid. Legal aid offices give free legal help to people whose income qualifies, including help answering a foreclosure case. Florida has 7 legal aid offices in our directory, from Legal Services of Greater Miami (305-576-0080) to Three Rivers Legal Services in Jacksonville and Gainesville (866-256-8091). Florida Free Legal Answers lets you ask a volunteer lawyer a question online.

A lawyer referral. The Florida Bar's Lawyer Referral Service has a foreclosure panel, and its lawyers charge no more than $25 for a first half-hour meeting: 800-342-8011.

A complaint about your mortgage company. Florida's Office of Financial Regulation licenses mortgage companies and takes complaints: 850-487-9687. The Florida Attorney General takes reports of mortgage fraud and rescue scams: 866-966-7226. You can also complain to the federal Consumer Financial Protection Bureau.

Before you pay anyone. In Florida, a foreclosure rescue company must give you a written contract a day before you sign, can't take money until all the work is done, and must let you cancel within three business days. Housing counselors, licensed lawyers and real estate brokers are exempt. (Fla. Stat. 501.1377)

HUD-approved housing counselors in Florida, by city (67)

  • We Help Communities To Develop Corporation, Belle Glade · 561-992-5854 HUD-approved housing counselor · Languages: CRE, English, French, Spanish
  • Clearwater Neighborhood Housing Services, Inc., Clearwater · 727-442-4155 · Website HUD-approved housing counselor
  • Consumer Credit and Budget Counseling, Dba National Foundation For Debt Management, Clearwater · 866-395-5769 · Website HUD-approved housing counselor · Languages: English, Spanish
All 67 agencies
  • TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS, Clearwater · 727-442-7075 HUD-approved housing counselor
  • Community Legal Services of Mid-Florida, Inc. - Orlando Office, Daytona Beach · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Mid-Florida Housing Partnership, Inc., Daytona Beach · 386-274-4441, ext. 1 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Real Estate, Education and Community Housing, Inc., Doral · 786-260-6821 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • H.E.L.P. Community Development Corp., Eatonville · 407-628-4832 HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Centro Campesino, Farmworkers Center, Inc, Florida City · 305-245-7738, ext. 227 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Debt Management Credit Counseling Corp, Fort Lauderdale · 866-724-3328 HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Urban League of Broward County, Fort Lauderdale · 954-625-2501 · Website HUD-approved housing counselor
  • Real Estate Education and Community Housing, Fort Lauderdale · 954-546-0844, ext. 3000 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Affordable Homeownership Foundation Inc, Fort Myers · 239-689-4944 · Website HUD-approved housing counselor
  • Habitat For Humanity of Lee and Hendry Counties, Inc., Fort Myers · 239-652-4663 · Website HUD-approved housing counselor
  • Lee County Housing Development Corporation, Fort Myers · 239-275-5105 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Neighborhood Housing & Development Corporation, Gainesville · 352-380-9119 · Website HUD-approved housing counselor
  • Hispanic Unity of Florida, Hollywood · 754-256-8225 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Community Legal Services of Mid-Florida, Inc. - Inverness Office, Inverness · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Credit.Org - Jacksonville, Fl Branch, Jacksonville · 800-431-8157 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Jacksonville Area Legal Aid, Inc., Jacksonville · 904-356-8371 · Website HUD-approved housing counselor · Languages: ASL, CRE, English, French, Hindi, Spanish
  • Nsc (Naca Counseling Subsidiary) - Jacksonville, Fl, Jacksonville · 904-306-9272 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Wealth Watchers, Inc, Jacksonville · 904-265-4736 · Website HUD-approved housing counselor
  • Community Legal Services of Mid-Florida, Inc. - Kissimmee Office, Kissimmee · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service, Kissimmee · 321-697-3000 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Housing Foundation of America - Lake Worth Florida, Lake Worth · 561-713-1457 · Website HUD-approved housing counselor
  • Housing and Neighborhood Development Services of Central Florida, Inc., Lakeland · 863-682-1025 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Nid-Hca Mclennon, Lauderhill · 954-806-8873 · Website HUD-approved housing counselor
  • Community Housing Initiative, Inc, Melbourne · 321-253-0053 · Website HUD-approved housing counselor
  • Cuban American National Council, Inc. - Miami, Miami · 305-642-3484, ext. 182 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Nid-Hca Florida Felton, Miami Gardens · 305-652-7616 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Housing Development Corporation of Sw Florida, Inc., Naples · 239-434-2397 · Website HUD-approved housing counselor
  • Housing Foundation of America, North Miami · 786-842-3843 · Website HUD-approved housing counselor
  • Nsc (Naca Counseling Subsidiary) - N. Miami, Fl, North Miami · 425-602-6222 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Community Legal Services of Mid-Florida, Inc. - Ocala Office, Ocala · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Ocala Housing Authority, Ocala · 352-369-2636 · Website HUD-approved housing counselor
  • Catholic Charities of Central Florida, Orlando · 407-658-1818 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Community Legal Services of Mid-Florida, Inc., Orlando · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Greenpath Financial Wellness, Orlando · 813-374-2251 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Habitat For Humanity Greater Orlando and Osceola County Inc, Orlando · 407-648-4567 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Incharge Debt Solutions, Orlando · 877-712-6040 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Nid-Hca Orlando, Orlando · 888-869-0422 · Website HUD-approved housing counselor
  • Nsc (Naca Counseling Subsidiary) - Orlando, Fl, Orlando · 847-704-6222 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Community Legal Services of Mid-Florida, Inc. - Palatka Office, Palatka · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • City of Panama City Community Development Corporation, Panama City · 850-872-7231 HUD-approved housing counselor
  • Housing Foundation of America, Pembroke Pines · 954-923-5001 · Website HUD-approved housing counselor
  • Housing Foundation of America, Pembroke Pines · 954-923-5001, ext. 1101 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Pensacola Habitat For Humanity, Pensacola · 850-434-5456 · Website HUD-approved housing counselor
  • Consolidated Credit Solutions, Inc., Plantation · 800-435-2261 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Oasis of Hope Cdc, Pompano Beach · 954-586-1283 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Housing Partnership, Inc., Riviera Beach · 561-841-3500 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Community Legal Services of Mid-Florida, Inc. - Sanford Office, Sanford · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Florida Non-Profit Housing Inc, Sebring · 863-385-2519 · Website HUD-approved housing counselor · Languages: English, Spanish
  • St. Petersburg Neighborhood Housing Services, Inc.Dba Neighborhood Home Solutions, St Petersburg · 727-821-6897 · Website HUD-approved housing counselor
  • Debt Management Credit Counseling Corp., Stuart · 866-618-3328 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Tallahassee Urban League, Inc, Tallahassee · 850-222-6111 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Housing and Education Alliance, Tampa · 813-932-4663 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Operation Hope- Tampa, Tampa · 813-867-9658 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Solita's House Inc, Tampa · 813-425-4847 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Nsc (Naca Counseling Subsidiary) - Tampa, Fl, Tampa · 813-287-5051 · Website HUD-approved housing counselor · Languages: English, Portuguese, Spanish
  • Real Estate Education and Community Housing, Inc., Tampa · 561-491-1670 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Community Legal Services of Mid-Florida, Inc. - Tavares Office, Tavares · 386-255-6573 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Credit Card Mgmt Svcs, Inc Dba Reversemortgagehelper.Org and Debthelper.Com, West Palm Beach · 561-472-8000 · Website HUD-approved housing counselor · Languages: English, Spanish
  • Real Estate, Education and Community Housing, Inc., West Palm Beach · 561-491-1670 · Website HUD-approved housing counselor · Languages: CRE, English, Spanish
  • Urban League of Palm Beach County, Inc., West Palm Beach · 561-833-1461 · Website HUD-approved housing counselor · Languages: English, Spanish
  • West Palm Beach Housing Authority, West Palm Beach · 561-655-8530 · Website HUD-approved housing counselor
  • Housing Foundation of America, Lauderhill Florida, Wilton Manors · 954-923-5001 · Website HUD-approved housing counselor
  • Consumer Debt Counselors, Inc, Winter Park · 800-820-9232 HUD-approved housing counselor

Listings come from the HUD Housing Counselor API and the Legal Services Corporation grantee list, as of Nov 4, 2026. American Default Research does not endorse or rank any provider. Credit counselors and other kinds of free help are in our help directory.

Sources and method

A summary of foreclosure law and practice in Florida, read from its laws and the federal servicing rules and checked Mar 4, 2026. It isn't legal advice: your mortgage sets specific terms, and courts and counties vary. For your situation, talk to a HUD-approved counselor, legal aid or a lawyer.

What this page relies on (21 sources)

We write with assistance from AI tools. Figures come from the data and sources named on this page.