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Attorney General's Office
The Capitol
Tallahassee, FL 32399-1050
Ph: (904) 488-2526
Fax:(904) 488-5106


Judicial Foreclosure Yes
Non-Judicial Foreclosure  No
Security Instrument s Mortgage
Right of Redemption Yes-brief and subject to court procedure
Deficiency Judgments Yes
Time Frame Usually 180 days

Judicial foreclosure in Florida is completely controlled by the court. The lender sues and obtains an order to foreclose. The court then defines the procedure to be followed. The court may or may not order that the notice of sale be published in a newspaper. If so ordered, it is the responsibility to place the notice for publication on the terms ordered by the court.

The sale technically ends any equitable right of redemption; however the court may extend the time for redemption, but rarely does so. In fact, there is a period following the sale during which the court reviews the sale to ensure a fair price has been paid. This usually takes about 10 days, and right of redemption remains in effect until court confirmation of the sale.

Should the court, for any reason, not confirm the sale, another sale is ordered.

The lender may also sue for a deficiency judgment.


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Ernest Gonzalez
Licensed Mortgage Broker
Branch Manager 
Banc Plus Home Mortgage Center

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