(904) 799-6790

Sell Your House Before Foreclosure in Jacksonville

Getting a foreclosure notice is stressful, but in Florida you usually have more time and more options than you think. Re-Established Homes is a local cash home buyer in Duval County. We can make a fair cash offer on your house as-is, and you choose the closing date.

Honest note: We buy some houses ourselves. For others, we may introduce you to a vetted investor buyer. We’ll tell you up front which one applies to your house. We are not a listing brokerage.

Get My Cash Offer · Call (904) 799-6790

How Foreclosure Works in Florida

Florida is a judicial foreclosure state. That means the lender has to file a lawsuit in circuit court. In Jacksonville, that’s the Fourth Judicial Circuit (Duval County).

  • Lawsuit and summons. The lender files a complaint under Chapter 702, Florida Statutes. Under Fla. R. Civ. P. 1.140(a)(1), you generally have 20 days after you’re served to respond.

  • Final judgment. If the court enters a judgment of foreclosure, it sets a sale date. Under §45.031, F.S., the sale must be set no fewer than 20 and no more than 35 days after the judgment. It can be later if the lender agrees.

  • Online auction. The Duval County Clerk holds foreclosure sales online at duval.realforeclose.com, Monday–Friday starting at 11:00 a.m. (Clerk foreclosure page).

  • Right of redemption. Under §45.0315, F.S., you can generally redeem (pay off the debt) until the clerk files the certificate of sale or until the time set in the judgment, whichever is later.

  • Surplus funds. If the house sells for more than you owe, the owner of record as of the lis pendens may be able to claim the surplus under §45.032, F.S..

You can look up your case on the Duval Clerk of Courts site.

Your Options Before the Sale Date

  1. Reinstate or work out a deal with your lender. That could mean a loan modification, a forbearance, or a repayment plan.

  2. Talk to a HUD-approved housing counselor. It’s free. Find one at HUD’s counselor search or call 800-569-4287.

  3. Sell traditionally with a Realtor. This can work if you have time and the house shows well.

  4. Short sale. This is an option if you owe more than the house is worth and your lender agrees.

  5. Sell for cash. This is the fastest route if you have equity and want certainty before the auction.

How Selling to Re-Established Homes Works

  1. Call or fill out the form. Tell us about the house and your sale date.

  2. Quick walkthrough. No cleaning or repairs needed.

  3. Written cash offer. We’ll tell you whether we’re buying it ourselves or bringing in an investor buyer.

  4. Close with a title company. The title company pays off your mortgage from the sale proceeds. You pick the date, as long as it fits your timeline.

We can’t promise a closing in any set number of days. Timing depends on title work, payoff letters, and your court schedule. Reach out as early as you can.

Why Sell Before the Auction?

  • You may keep equity you could lose at auction.

  • You avoid a completed foreclosure on your record.

  • You control the move-out date.

  • There are no repairs, commissions, or showings.

FAQ

Can I sell my house if a foreclosure has already been filed? Usually, yes. You can generally sell until the sale is final. The mortgage gets paid off at closing.

What if the auction date is close? Call us right away. Also talk to your lender or an attorney about whether the sale can be postponed.

Do I need an attorney? We’re not attorneys and can’t give legal advice. A Florida foreclosure defense attorney or a HUD counselor can review your case. Florida Bar referral: 800-342-8011.

Will you buy the house yourselves? Sometimes. Other times we introduce an investor buyer. Either way, we’ll tell you before you sign anything.

Is there a cost to get an offer? No. There’s no cost and no obligation.

Ready to Talk?

Call (904) 799-6790 or fill out the form for a no-obligation cash offer on your Jacksonville house.

Disclaimer: This page is general information, not legal, tax, or financial advice. Laws change; consult a licensed Florida attorney about your situation. Re-Established Homes LLC is a real estate investment company, not a law firm or listing brokerage.