If you're reading this, it's not too late.
Florida's foreclosure process takes time, often more than a year. Whether you want to stop foreclosure, avoid it through a short sale, or explore a deed in lieu, you still have options. Edis will tell you exactly what they are.
The Florida foreclosure timeline: 6 stages
Missed payments begin
Lender sends late notices. No court involvement yet. Best time to act.
Day 1–90Notice of default
Lender formally notifies you of default. NOT a court filing. You still have time.
Month 3–6Lis pendens filed
Lender files lawsuit in Florida court. You receive a summons. Process clock starts.
Month 4–8Court proceedings
Florida requires a judge to approve foreclosure. Takes months, often more than a year.
Month 6–18Final judgment
Judge rules in lender's favor. Sale date set, typically 30 to 35 days out.
Month 12–24Foreclosure sale
Property sold at public auction. Every stage before this is stoppable.
Month 14–26Your options, explained plainly
What to expect: the short sale package
Edis handles the process. This is what the bank will ask for, gather what you can and Edis will guide you through the rest.
Two most recent pay stubs (or profit/loss statement if self-employed)
Two most recent federal tax returns
Two most recent bank statements (all pages)
Hardship letter: written explanation of your financial situation
Most recent mortgage statement
HOA information and statement (if applicable)
Property tax bill
Listing agreement (Edis will prepare this)
Free resources for SWFL homeowners
- Lee County Clerk — Foreclosure Sales
Official Lee County foreclosure sale listings, dates, and court records.
Know where your case stands in the Lee County court system.
- Lee County Housing Development Corporation
Free HUD-approved housing counseling for Lee County homeowners facing delinquency or foreclosure.
Free counseling available — Edis can also connect you directly.
- 995HOPE — National Foreclosure Hotline
Free hotline at (888) 995-4673 connecting homeowners with HUD-approved counselors nationwide.
Call them, then call Edis — two expert opinions are better than one.
- Florida Homeowner Assistance Fund (HAF)
State program providing financial assistance to eligible Florida homeowners impacted by COVID-19.
May cover past-due mortgage payments — check eligibility before any other action.
- Collier County Clerk — Foreclosure Division
Official Collier County foreclosure listings, sale schedules, and case lookup.
Naples and Marco Island homeowners — check your case status here.
Get your free consultation
No judgment. No pressure. Just honest answers from someone who's done this for 17 years.
Private and confidential. Never shared. Edis responds within 24 hours.
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