Finding Foreclosure Help in Florida

Finding Foreclosure Help in Florida

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services.

Jacksonville Office

Charles E. Bennett Federal Building
400 W. Bay Street, Suite 1015
Jacksonville, FL 32202

Phone: (904) 232-2627
Email: FL_Webmanager@hud.gov

Fax: (904) 232-3759

Jurisdiction: The following 36 counties in North Florida: Alachua, Baker, Bay, Bradford, Calhoun, Columbia, Clay, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Marion, Nassau, Okaloosa, Putnam, St. Johns, Santa Rosa, Suwannee, Taylor, Union, Wakulla, Walton, and Washington.

Earl Cox
Acting Field Office Director

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday

Miami Office

Brickell Plaza Federal Building
909 SE First Avenue,
Room 500

Miami, FL 33131-3028

Phone: (305) 536-5678
Email: FL_Webmanager@hud.gov
Fax: (305) 536-5765

TTY: (305) 536-4743

Jurisdiction: The following 10 counties in South Florida: Broward, Charlotte, Collier, Dade, Glades, Hendry, Lee, Martin, Monroe, and Palm Beach.

Armando Fana
Field Office Director

Office Hours: 8:00 a.m. to 4:30 p.m.

Monday through Friday

Orlando Office

3751 Maguire Blvd.,
Suite 270
Orlando, FL 32803

Phone: (407) 648-6441

Email: FL_Webmanager@hud.gov
Fax: (407) 648-6310

Jurisdiction: The following 9 counties in East Central Florida: Brevard, Indian River, Lake, Okeechobee, Orange, Osceola, St. Lucie, Seminole, and Volusia.

Paul C. Ausley, Jr.

Field Office Director

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday

Tampa Office

Timberlake Federal Building
500 E. Zack Street,

Suite 402
Tampa, FL 33602-2945

Phone: (813) 228-2026
Email: FL_Webmanager@hud.gov
Fax: (813) 228-2431

TTY: Dial 711 to use Florida Relay

Jurisdiction: The following 12 counties in West Central Florida: Citrus, De Soto, Hardee, Hernando, Highlands, Hillsborough, Manatee, Pasco, Pinellas, Polk, Sarasota, and Sumter.

KAREN JACKSON SIMS
Field Office Director

Office Hours: 8:00 a.m. to 4:30 p.m.

Monday through Friday

Florida Foreclosure Laws Summary

Quick Facts:

Judicial foreclosure process is available.
Non-judicial foreclosure process is not available.
The primary security instruments are mortgages.
The timeline can vary by process, which typically takes 180 days.
The borrower has rights of redemption.
The lender may sue for deficiency judgements.
In Florida, mortgages are impartially foreclosed and a foreclosure action is separated from any counterclaims against the lender. A jury is also not needed during a trial for a foreclosure process.

Upon approval, the court states the time and place where the foreclosure sale is to be held. It is the lender’s responsibility to place an ad in the newspaper announcing the upcoming sale to the public.

The borrower’s Equitable Right of Redemption ends as soon as the foreclosure sale is completed. A 10 day period is allotted for the court to review the sale to make sure that the property has been sold for a fair price, and all procedures have been properly followed. Once this is approved, a Certificate of Sale is filed. If something wrong has been discovered, a new sale must be held.

Deficiency suits may be filed in Florida.