A lender here must sue, and a master commissioner sells the home. Two appraisers value it first. If it sells for less than two thirds of that value you get six months to buy it back; at two thirds or more you get nothing. And even with that right, the buyer can take possession straight away.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Three dates decide a Kentucky case. Twenty days after you are served, the deadline to answer. The appraisal, filed before the sale, which sets the two thirds line. And ten days after the report of sale, when objections close.
Rights that exist because the property is in Florida, whatever a servicer tells you on the phone.
Regional legal aid programmes take foreclosure cases at no cost if you qualify by income. Start at FloridaLawHelp.org, which routes you to the programme covering your county.
HUD-approved housing counsellors are free everywhere in the state — 1-800-569-4287. Several circuits also run residential foreclosure mediation; ask the clerk whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Verified 8 September 2026 against the 2025 Florida Statutes and the Rules of Civil Procedure. That audit corrected ten items, including a dead citation for the deficiency limitation period, the wrong authority for the writ of possession, and a surplus claim deadline repealed in 2019. Statute text was verified; appellate case law was not, and two items — the paragraph 22 defence and current circuit mediation programmes — rest partly on secondary sources and should be confirmed by a Florida attorney before launch.
Short answers, each one sourced to the statute cited on this page.
A typical Kentucky foreclosure runs roughly 374 days from the first missed payment to the commissioner sale, longer in Jefferson County. The lender must sue, and the commissioner must sell within 90 days of the referral order.
Only if the property sells for less than two thirds of its appraised value. At two thirds or more there is no redemption at all. Two appraisers value the home before the sale. KRS 426.520 and 426.530.
Usually not. Even where the six month right exists, the purchaser may obtain a writ of possession right away, and the deed simply carries a lien reflecting your right to redeem. KRS 426.530(3).
A commissioner sale is published once, not less than 7 and not more than 21 days before the sale. The three weeks rule some sites quote applies to tax notices, not commissioner sales. KRS 424.130.
After the debt, costs and commissions are paid, any surplus is paid over to the owner. KRS 426.500.
The county clerk can sell a certificate of delinquency to a third party purchaser, who charges 12% simple interest and statutorily capped fees, must send notices, and cannot sue until a year after delinquency. KRS 134.125, 134.490 and 134.546.