Sell your Florida house before foreclosure while a sale may still be possible.
HBS buys houses directly for cash and as is. When a foreclosure sale date is approaching, payoff, title, equity, and deadline facts need attention right away. You can ask for a time-sensitive cash offer, but sending a website request does not stop or extend foreclosure and does not guarantee a sale can close.
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We buy houses across Florida, from our home base in Hillsborough, Pinellas, Pasco & Hernando counties. Every purchase depends on property fit, a signed agreement, and title.
What house do you want to sell?
Start with the property address. You do not need photos, repair estimates, or paperwork.
What matters when foreclosure is close.
A sale can work only when value, authority, title, payoff, contract, and deadline details line up. Start early and compare legal, housing-counselor, lender, and sale options.
Auction or sale date
In a Florida foreclosure, the final judgment sets the clerk's sale 20 to 35 days after the judgment, or later if the plaintiff consents, and the court can move the sale to a later date. After the auction the clerk files a certificate of sale, and if no objection is filed within 10 days, the clerk files a certificate of title and title passes to the buyer. The closer the date, the more urgent payoff and title review become, so call early if you can.
Right of redemption
Florida law lets the owner, or the holder of a subordinate interest, stop the sale by paying the amount set in the final judgment until the clerk files the certificate of sale, or until a later time if the judgment sets one. After that, there is no right of redemption.
Surplus after an auction
If the auction brings more than what the judgment requires to be paid, subordinate lienholders who file timely claims are paid first, and Florida presumes the rest belongs to the owner of record on the date the lis pendens was filed. The owner can file a sworn claim form with the clerk, and the court then orders the clerk to pay; the form says no lawyer is needed. Surplus still held one year after the sale is presumed unclaimed and is reported and sent to the state Department of Financial Services, unless a court case over it is pending, and the owner of record can still claim it from the state.
Mortgage payoff and arrears
The payoff, fees, and arrears must be paid, approved for a short payoff, or otherwise resolved through sale proceeds, seller funds, or creditor-approved terms.
Other liens or judgments
Title searches for other recorded items that may need to be paid or resolved before closing.
Ask for an offer as is
Foreclosure pressure does not require repairs before you ask for a cash offer. Any offer remains property-specific, and title, payoff, equity, and timing must still work.
What can affect your as-is cash offer.
| Input | How it affects the offerPlain English |
|---|---|
| Current payoff | We compare the mortgage payoff and closing costs against the offer so you understand whether a sale can work. |
| Recorded liens | Liens, judgments, HOA balances, and tax items can affect net proceeds and timing. |
| Auction deadline | A short deadline changes title urgency. No response or closing time is promised; contact Florida counsel or a housing counselor immediately about legal options and deadlines. |
| Property condition | Visible repairs can be reflected in the cash offer instead of being completed before you start. |
How the property and local records can change the sale.
Hillsborough County
The Hillsborough clerk holds foreclosure sales online every weekday at 10 a.m., and the clerk issues the certificate of title after 10 full calendar days from the certificate of sale if no objection or other related action is pending. Payoff and title review need to start as soon as a sale date is set.
Pinellas County
The Pinellas clerk holds foreclosure sales online and posts an Owner's Claim for Surplus Funds form. Pinellas homes with roof or flood issues may struggle with financed buyers, which makes cash timing more important.
Pasco County
The Pasco clerk holds sales online, generally starting at 11 a.m. on weekdays. The owner of record can file the clerk's surplus claim form before the money is reported as unclaimed, and the claim must include a $50 reopen fee if the case has been closed for more than 90 days, or reclosed for more than 30 days.
Hernando County
Hernando sales are held in person, not online, outside Room 245 of the courthouse in Brooksville at 11 a.m. on Tuesdays and Thursdays. Title issues, older liens, or disclosure concerns can add time, so start early.
What to confirm when a Florida foreclosure deadline is approaching.
Use current documents and direct information from the court, lender, servicer, and qualified advisers. A website estimate is not enough for a deadline decision.
Case number and sale date
Confirm the case status and scheduled date through the court or clerk record, then tell qualified counsel about any urgent deadline.
Current payoff information
Ask the lender or servicer for current payoff or reinstatement information, including fees and the date through which it is valid.
Other title balances
Property taxes, HOA balances, liens, judgments, and second mortgages can change whether sale proceeds are enough.
Property condition and access
Share repair needs, occupancy, access, and the realistic time available to evaluate and close a sale.
How the cash sale moves from first call to closing.
Ask about a cash offer right away
Tell us whether there is a sale date, who the lender is, and whether you have a recent payoff or reinstatement figure. Also contact Florida counsel or a housing counselor about your legal options.
Confirm whether a cash sale can work
Value, repairs, authority, payoff, liens, equity, and title timing must be checked before anyone treats a sale as realistic.
Close only if the file works
The selected closing provider obtains available payoff figures and identifies recorded items. Closing occurs only when proceeds, authority, documents, title requirements, accepted terms, and timing all support it.
More help for this Florida home sale.
Check the rules behind this page.
These primary sources explain the rules summarized above. They are not legal, tax, or insurance advice; an attorney, CPA, insurance professional, or building official should confirm how they apply to your property.
Florida Statutes, s. 45.031 (judicial sales)
The 20 to 35 day sale window, the certificate of sale, the 10-day objection period, the certificate of title, and the surplus notices a final judgment must contain.
Open official sourceFlorida Statutes, s. 45.0315 (right of redemption)
How long the owner can pay the judgment amount and stop the sale.
Open official sourceFlorida Statutes, s. 45.032 (surplus funds)
Who is presumed entitled to surplus, the owner's sworn claim form, and what happens one year after the sale.
Open official sourceFlorida Statutes, s. 45.033 (surplus assignments)
When an assignment of surplus rights qualifies, including the 60-day filing deadline and the 12 percent cap.
Open official sourceHillsborough County Clerk foreclosure sales
Online sale schedule, certificate of title timing, and surplus claims in Hillsborough County.
Open official sourcePinellas County Clerk civil court
Links to the online foreclosure sales site and the Owner's Claim for Surplus Funds form.
Open official sourcePasco County Clerk foreclosures
Online sale times and how the owner of record claims surplus funds in Pasco County.
Open official sourceHernando County Clerk foreclosure information
The in-person sale location, days, and certificate of title timing in Hernando County.
Open official sourceForeclosure Timing cash-sale questions.
A completed sale can pay off the loan if proceeds are enough, but foreclosure rules are legal matters. Sending a request does not stop or extend a deadline. Speak with your attorney or housing counselor about your options.
Start as early as possible. If the sale date is close, there may not be enough time for a transaction. Do not wait for a website response to seek legal or housing-counselor help; a request does not stop or extend a deadline.
Yes. The offer can reflect the current condition. Payoff, authority, title, available proceeds, contract terms, and the court deadline still determine whether a sale can close.
No. Sharing property information does not create a foreclosure-rescue service or affect the court case. Any proposed purchase is controlled by its written agreement and closing statement.
Under Florida law, the owner can pay the amount set in the final judgment and stop the sale until the clerk files the certificate of sale, or until a later time if the judgment sets one. After that, there is no right of redemption. Confirm the deadline in your case with a Florida attorney or housing counselor.
No. The owner of record can file a claim for the surplus with the clerk, and the sworn claim form says no lawyer is needed. If the home had a homestead tax exemption on the latest approved tax roll, the final judgment must also say, in conspicuous type, that you do not have to assign your rights to anyone to claim the money. If you do assign them, the assignment qualifies only if, among other requirements, it is in writing with the required disclosures, is filed within 60 days after the clerk's certificate of disbursements, and pays the assignee no more than 12 percent of the surplus.
Get a cash offer for your house as is.
727-497-7766Start with the address and what is going on. There is no obligation to accept the offer.
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