How long does the foreclosure process take?

In Florida, the foreclosure process can take around three to six months for a traditional foreclosure. In a traditional foreclosure, the lender must file a complaint with the court and then serve the borrower with a summons and complaint. The borrower then has 20 days to respond and file any defenses. If the borrower fails to respond, or the lender wins the case after it goes to trial, the court may enter a final judgment of foreclosure. Once the court enters the foreclosure judgment, the borrower has up to five weeks to appeal or file a motion to set aside the judgment. If the borrower does not file an appeal, the lender will schedule a public auction with the county sheriff. The auction must take place at least 20 days after the judgment is entered. If the property is sold at the auction, the borrower must vacate the property within 24 hours of the sale being confirmed—usually within two weeks of the auction. The county sheriff then records the foreclosure deed, and the process is officially completed. In a judicial foreclosure, the entire process can take up to six months, but the foreclosure process can move much more quickly if the borrower does not respond to the complaint quickly. In a non-judicial or power of sale foreclosure, the process can go much more quickly, taking as little as two months.

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