Cash offer in 24 hours. No repairs, no fees, no commissions. Close in as little as 7 days. Serving all of Florida.
Serving All of Florida
No obligation. Takes 60 seconds.
No obligation. Takes 60 seconds.
Florida Market
Florida consistently ranks among the top three states for foreclosure activity in the United States. In 2025, the state recorded 34,336 foreclosure starts — second only to Texas — according to ATTOM Data Solutions. Florida’s foreclosure rate of 1 in every 2,277 housing units places it among the worst in the nation, with Jacksonville recording the single highest metro foreclosure rate at 1 in every 200 housing units. As a judicial foreclosure state, Florida requires lenders to file a lawsuit in court, which typically extends the process to 6–8 months. Under Florida law, the lender must provide a 120-day pre-foreclosure notice period before filing suit. The median home price in Florida stands at $412,000 (2025), reflecting significant equity that homeowners can protect by selling before a forced auction. Miami alone saw 8,936 foreclosure starts in 2025, making it the fourth-most-active metro in the country. Florida’s housing market faces unique pressures: skyrocketing property insurance premiums (some increasing 40–60% in recent years), rising HOA fees in condo communities, and special assessments following building safety legislation passed after the Surfside condo collapse. These factors have pushed many Florida homeowners — particularly condo owners — into financial distress even when they have substantial equity. The state’s unlimited homestead exemption in bankruptcy provides strong protections, but it cannot stop a mortgage foreclosure.
Know Your Rights
Florida uses a judicial foreclosure process — all foreclosures go through the court system.
After missed payments, Florida law requires the lender to send a pre-foreclosure notice giving you 120 days before they can file a lawsuit.
The lender files a foreclosure complaint in court and records a Lis Pendens (notice of pending lawsuit). You have 20 days to file a response.
If the court rules in the lender’s favor, a sale date is set 20–35 days after judgment. You have 10 days after the sale to file an objection. Total timeline: 6–8 months.
Unlimited value (up to 1/2 acre in municipality, 160 acres elsewhere); must own 1,215+ days for full protection in bankruptcy. The most generous in the country.
Yes, lender must file within 1 year for owner-occupied residential property; limited to difference between debt and fair market value.
10 days after foreclosure sale to file objection; right to cure before final judgment.
Statewide Coverage
Our team buys houses across Florida. Here are some of the major metros we cover.
Simple Process
Sell your Florida home in 3 simple steps. No hassle, no hidden fees.
Fill out our quick form or call us at (888) 818-4489. We just need a few details about your home.
Our team researches your property and presents a fair, no-obligation cash offer within 24 hours.
Pick your closing date. We handle all paperwork and closing costs. Get paid in as little as 7 days.
Real Stories
Example scenarios based on common seller experiences.
“I was 3 months behind on payments and didn’t know what to do. HouseBase called me back the same day, explained my options clearly, and we closed in 10 days. My credit was saved.”
“I inherited a house in rough shape and thought I’d have to sink money into repairs. HouseBase made a fair as-is offer with zero fees. Closed on my timeline.”
“After my divorce, I couldn’t afford the mortgage alone. The HouseBase team took over my payments — no short sale, no credit hit. I finally had peace of mind.”
Florida Questions
Common questions about selling your Florida home fast.
We also buy houses in: Texas · California
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