Understand the foreclosure process — and your rights during the process — so you can take steps to prevent it from happening.
This timeline is intended to give a sense of some of the key steps and timing that may take place during a foreclosure process. Each lender and each loan is unique and may follow a different process and/or timeline. This example is offered only as an example.Back to Top
Foreclosure Process Flow Chart
The 11th Judicial Circuit of Florida has prepared a Mortgage Foreclosure Process Flow Chart that explains what happens in the court system after a foreclosure is filed.Back to Top
Registry for residential properties subject to foreclosure
Due to the pressing situation of the economy, many of our neighborhoods have been affected by unsightly abandoned and vacant homes that are undergoing foreclosure. In order to minimize the negative impact on our neighborhoods, a Miami-Dade County law requires that once a LisPendens (notice of foreclosure) is filed on a residential property, that the property be registered with Miami-Dade County. You can now register the property online.Back to Top
Mediation Program (CHAMP)
Persuant to Administrative Order 09-08 , all residential foreclosure actions involving homestead properties filed on or after May 1, 2009 are required to participate in the 11th Circuit Homestead Access to Mediation Program (CHAMP) in collaboration with the Collins Center for Public Policy, Inc, prior to hearing and summary judgement of the case. The program provides a mandated opportunity for homeowners and lenders to participate in a mediation effort to modify the terms of the note and mortgage and/or otherwise settle the case prior to further legal proceedings.Back to Top
Free legal services for eligible residents of Miami-Dade and Monroe Counties in a variety of legal matters including foreclosure and predatory lending. The website, also available in Spanish and Creole, has additional information on eligibility.Back to Top
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