Facing foreclosure
in Brevard or Orange County?
By Kyle Thompson, Comfy Home Offers · Updated 2026-11-04 · General information, not legal or financial advice.
If you are behind on your mortgage or have been served with a foreclosure lawsuit, you can usually still sell the house yourself, as long as the sale closes before the clerk files the certificate of sale. If you have an auction date, tell us first: call or text Kyle at (407) 413-8331. Comfy Home Offers buys houses as-is across Brevard and Orange County for cash, usually with a written offer within 24 hours and a typical close in 30 days or less. The loan is paid off at closing through a Florida title company.
Selling is not the only option, and it is not always the best one. This guide explains how foreclosure works in Florida, what dates to watch in your case, and how to compare keeping the house, a sale where you owe more than the house is worth, and a direct cash sale.
How foreclosure works in Florida
Florida is a judicial foreclosure state, which means the lender has to sue in circuit court and get a judgment before the house can be sold. The usual path looks like this:
- Missed payments and notices. Your servicer sends late notices and, usually, a letter saying the loan is in default. Federal mortgage servicing rules generally keep a servicer from making the first court filing until the loan is more than 120 days past due.
- The lawsuit. The lender files a complaint with the clerk of court and has you served. You have 20 days from service to file a response with the court. Ignoring it can lead to a default.
- Final judgment and sale date. If the court rules for the lender, it enters a final judgment of foreclosure and sets an auction date. A notice of sale is published before the auction.
- The auction. The clerk sells the house online to the highest bidder. Afterward the clerk files a certificate of sale, and if no one objects within 10 days, a certificate of title transfers ownership.
Under section 45.0315 of the Florida Statutes, you can generally redeem the property, for example by paying off the debt through a sale, until the clerk files the certificate of sale, or a later time if the judgment says so. That is the real deadline for a sale to close.
Where Brevard and Orange County foreclosure auctions happen
- Brevard County: Starting with the September 2, 2026 sale date, the Brevard Clerk of Court moved foreclosure auctions from the Brevard Room in Titusville to an online auction at brevard.realforeclose.com. Sales start at 11:00 a.m. on Wednesdays. Look up your case through the Brevard Clerk's foreclosure page.
- Orange County: The Orange County Clerk of Courts has held foreclosure auctions online since 2011 at myorangeclerk.realforeclose.com, starting at 11:00 a.m. on scheduled weekdays. The clerk's foreclosure education page has local resources and scam warnings.
If your house is on an auction calendar, write down the date and tell anyone you talk to, including us. The time between a final judgment and the sale is often short.
Your options, side by side
- Catch up or modify the loan. If you want to stay, call your servicer about reinstatement, a repayment plan or a loan modification. A free HUD-approved housing counselor can help you apply.
- List with an agent. This can bring the highest price if you have equity, time before the sale and a house that shows well. Repairs, showings and buyer financing all take time.
- sale where you owe more than the house is worth. If you owe more than the house is worth, the lender must approve a payoff for less than the full balance. Approval can take a while, and a sale where you owe more than the house is worth can still leave a deficiency unless the lender waives it in writing.
- Sell directly for cash. A direct sale to a local buyer can close in time for many auction dates, with no repairs or showings. You typically give up some price for speed and certainty. Compare your net with our cash buyer vs. listing agent guide.
- Let the auction happen. If the auction brings more than the judgment, the extra money (surplus) can belong to the former owner, but the lender can also seek a deficiency judgment if it brings less. Talk with a Florida attorney before you choose this path.
Watch out for foreclosure rescue scams
Be careful with anyone who charges an upfront fee to "save" your house, tells you to stop talking to your lender, or asks you to sign over your deed while promising you can stay and buy it back later. A legitimate buyer puts the offer in writing, closes through a licensed title company, and pays your loan off directly at closing. You can check any foreclosure case yourself on the county clerk's website.
How selling to us works when the clock is running
- Tell us your dates. Share the address, the case number if you have one, and any auction date. Do it online, or call or text (407) 413-8331.
- Walkthrough and written offer. Kyle looks at the house in person or by video and usually sends a written offer within 24 hours. There is no obligation to accept.
- Payoff and closing. If you accept, a Florida title company orders the lender's payoff, checks for other liens like HOA dues or taxes, and closes. Typical closings are 30 days or less. We normally cover all standard title-related closing costs.
If the house has tenants, needs major repairs or came to you through an estate, those situations are common in foreclosure too. See our guides on selling as-is, selling with tenants and inherited and probate property.
Local next steps
On the Space Coast, see our Brevard County page, or the Palm Bay, Melbourne and Titusville pages. In Greater Orlando, see Orange County, Orlando, Pine Hills or Apopka.
Want a number to compare?
Request a free, no-obligation offer on your house, even if a foreclosure case is open, or call or text Kyle at (407) 413-8331.
Questions sellers ask
Can I still sell my house after the bank files foreclosure?
Usually, yes. In Florida you generally keep the right to sell, refinance or pay off the loan until the clerk files the certificate of sale after the auction, or a later time set in the judgment. If the sale price covers what you owe, the title company pays the lender at closing, and the lender then asks the court to end the case. If you owe more than the house is worth, see the question below.
How long does foreclosure take in Florida?
It varies case by case. Florida foreclosures go through the circuit court, and federal servicing rules generally keep a lender from filing until a loan is more than 120 days past due. After you are served, you have 20 days to respond to the complaint. Check your own case on the county clerk's website for real dates.
What if I owe more than the house is worth?
Then a sale cannot pay the loan off in full unless you bring money to closing or the lender agrees to accept less, which is entirely the lender's decision. Comfy Home Offers isn't the right fit when you owe more than the house is worth. Before you choose a path, talk with a Florida attorney or a HUD-approved housing counselor about your options and any possible deficiency.
Can you stop my foreclosure?
We cannot stop a court case. What we can do is buy the house, and if the sale closes before the auction, the loan is paid off at closing through a Florida title company. If you want to keep the house, call your servicer and a HUD-approved housing counselor first.
Do I need to fix the house or clean it out first?
No. We buy houses as-is in Brevard and Orange County. Tell us about the condition and anything you know about liens, HOA dues or back taxes, and we account for it in the written offer.
How fast can you close before a foreclosure sale?
We usually send a written offer within 24 hours of seeing the property, and typical closings are 30 days or less. Title work has to confirm the payoff, so tell us your sale date right away.