Your Rights as a Florida Homeowner

Key rights

• The right to a court process — a lender can't foreclose in Florida without a judge.
• The right to respond to the lawsuit and raise defenses.
• The right to have a complete loss mitigation application reviewed under federal rules.
• The right to stay in your home until the court process is complete and possession is ordered.
• The right to redeem the property before the certificate of sale is filed.
• The right to claim surplus funds from a foreclosure sale.
• The right to request information about your loan and dispute errors in writing.

Servicemembers

Active-duty servicemembers have additional protections under the Servicemembers Civil Relief Act. Tell your servicer and the court.