there's this house in foreclosure i would like to know have would i have to do to get it back

The first step is confirming who currently owns the home and where it is in the foreclosure process. Having lived there previously does not automatically give you the right to put it back in your name. If you still own the property and are the borrower, contact the mortgage servicer immediately about available options, such as reinstatement, a repayment plan, or a loan modification. A Florida foreclosure attorney should also review the court case and any approaching sale date. If someone else owns it, you may need to negotiate a purchase with that owner, or pursue a purchase through the foreclosure sale or subsequent owner. A title company and attorney can verify ownership, liens, and the steps required before you commit money.

If the house is currently in foreclosure and you previously owned or lived there, the first thing to determine is who currently holds title and where the foreclosure process stands. Simply wanting the property back generally isn't enough to put it back in your name, but depending on the stage of foreclosure, there may still be options. If you are still the owner, you may be able to work with the mortgage servicer on reinstatement or another loss-mitigation option. The CFPB recommends contacting the servicer immediately when facing foreclosure and notes that options can include repayment plans, forbearance, loan modification, short sale, or a deed-in-lieu, depending on the circumstances. If the property has already been sold at a foreclosure sale and ownership has transferred, the situation is different. You would generally need to determine whether there is any remaining legal right to challenge the foreclosure or whether you would have to purchase the property from the current owner. Because you're talking about a specific property in Broward County, I would not try to negotiate directly with someone or pay money to a foreclosure-rescue company without first determining the legal status of the property. Broward Legal Aid specifically provides foreclosure-prevention assistance to eligible homeowners, including foreclosure defense and mortgage modification. Their foreclosure-prevention line is 954-736-2431. I'd recommend taking these steps: Find out whether you are still listed as the owner. Determine whether a foreclosure lawsuit has been filed and whether a sale date has been scheduled. Contact the mortgage servicer and request the current reinstatement/payoff amount and available loss-mitigation options. Have a Florida foreclosure attorney review the case before signing anything. If the property has already been sold, have an attorney or title professional determine who owns it now and whether you have any remaining legal rights. If your goal is ultimately to buy the property back, that's potentially a different transaction from stopping the foreclosure, and the feasibility depends heavily on whether the foreclosure sale has already occurred. Juan Picos Realtor | JohnHart Real Estate

Tyler, most likely you would have to purchase this through the foreclosure auction at the county. These are cash only deals. Keith Jean-Pierre Managing Principal The Dapper Agents Real Estate Operations in ALL 50 States

Tyler, the answers above have this right: everything depends on whether the foreclosure sale already happened. Pull the case docket from the Broward County Clerk of Courts today, it's free and public, and it'll tell you whether a certificate of sale has been filed. In Florida your right to redeem generally ends there, not on the auction date itself, so if the case is still open, treat reinstating or paying off the debt as urgent. If the sale already closed, a HUD-approved housing counselor or Broward Legal Aid can tell you for free whether there's a path to buy it back or claim any surplus sale proceeds. I'm a California agent, so get a Florida foreclosure attorney to confirm your specific case before you spend any money. Zoltan

foreclosure If you used to own the house in Lauderhill and want to get it back, the first thing to determine is how far along the foreclosure is. If the foreclosure sale has not happened yet, there may still be a path to stop it by paying the amount required to cure/reinstate the mortgage or reaching a loss-mitigation agreement with the lender; Florida law provides mechanisms for curing a foreclosure before the applicable deadline, and a foreclosure decree can potentially be set aside before the sale under certain circumstances. If the foreclosure sale has already happened and someone else now owns the property, getting it back becomes much more difficult and generally means negotiating with the new owner or challenging the sale on a specific legal basis.

Tyler, the phrase that stands out to me is that you used to live there. Whether your name is still on the title to the Lauderhill house changes the whole answer, and it's the one fact to nail down before anything else. If you're still the owner and no sale has happened, there are usually ways to stop a foreclosure by working with the loan servicer. Those paths run on court deadlines though, and they close fast. If the house already sold, it becomes a different conversation. At that point getting it back generally means buying it from whoever holds it now, like any other purchase. Please talk to a Florida foreclosure attorney or a HUD-approved housing counselor this week. Counseling is free and they'll tell you where your case actually stands. Be wary of anyone charging an upfront fee to save the home. I sell in California, so Florida's process isn't mine to interpret. Alla Novytska, Realtor®, JohnHart Real Estate, DRE #02254775

Hi Tyler, the very first step is figuring out where the foreclosure stands, because what you can do depends entirely on whether the home has already been sold or is still in the court process. Check who owns the property right now Go to the Broward County Property Appraiser website and look up the address in Lauderhill. - If your name is still on title, you still have rights and options. - If the home was already sold, the new owner holds title and you’d have to buy it back from them. Then check the foreclosure case status The Broward County Clerk of Courts shows the full foreclosure docket online. You’ll see: - Whether the case is still active - If a sale date is scheduled - If a certificate of sale or certificate of title has already been issued This tells you exactly how much time you have. Finally if the home has NOT been sold yet You still have time-sensitive options: - You can Reinstate the loan (catch up missed payments + fees) - Pay off the judgment - Request loss‑mitigation: loan modification, repayment plan, or forbearance - Respond to the foreclosure case if you were served Florida allows redemption up until the certificate of sale is filed, so timing matters. If the home HAS already been sold; You cannot reverse the foreclosure or automatically put it back in your name. Your only path is to buy it from whoever owns it now (bank or investor). One thing to check: If the home sold for more than what was owed, you may be entitled to surplus funds held by the court. Broward County has HUD‑approved housing counselors & Legal Aid who can review your exact case and tell you your options at no cost. Good luck!

One question decides everything else, so start there: are you still the owner of record, or has the property already been sold? Those are two very different situations with two different answers, and nothing else matters until you know which one you're in. How to find out, today, for free. The Broward County Property Appraiser's site shows who currently owns the property. The Broward County Clerk of Courts publishes foreclosure case dockets online, where you can see whether a case is pending, what has been filed, and whether a sale has been scheduled or already happened. Both are public and free. Pull them before you spend money or sign anything. If you're still the owner and the case is still pending, you have real options, and they're time-sensitive. Reinstatement or payoff. Bringing the loan current, or paying it off entirely, generally stops a foreclosure. In Florida an owner's right of redemption runs until the certificate of sale is filed - which means deadlines are the whole game here, and they are shorter than people expect. Loss mitigation with the servicer. Ask specifically about a reinstatement quote, a repayment plan, a loan modification, and forbearance. Make every request in writing, keep copies, and write down who you spoke with and when. Respond in the case if you were served. Default judgments are how people lose homes they could have kept. If there's a case and you haven't answered it, that's the urgent item. Free help exists, and you should use it: HUD-approved housing counseling agencies provide foreclosure counseling at no cost, and Legal Aid Service of Broward County provides free civil legal help to people who qualify by income. Ask for someone who handles foreclosure specifically. These are the first calls to make, not the last. If the property has already sold at a foreclosure sale and the certificate of title has issued, the honest answer is harder: you no longer have an ownership right to reclaim. Getting it back would mean buying it from whoever owns it now - the lender, an investor, or a new owner - as an ordinary purchase, on whatever terms they'll agree to. There isn't a special path back for a former owner. One thing to check in that case: if the property sold for more than what was owed, there may be surplus funds held by the court, and a former owner may be entitled to claim them through the clerk's process. That's worth asking legal aid about. Be careful with anyone who offers to recover surplus funds for a large cut - the court's own process exists and counsel can explain it. A caution I'd give anyone in this position. Foreclosure attracts people who take advantage of it. Be skeptical of anyone asking for an upfront fee to save your home, and be very skeptical of anyone proposing that you deed the property to them and rent it back. Florida has specific statutes governing foreclosure rescue transactions for exactly that reason. Legitimate help in this situation is usually free. I'm a real estate broker, not an attorney, and I'm licensed in Alabama rather than Florida. But the sequence is the same anywhere: find out where the case actually stands, then get a housing counselor or legal aid involved this week rather than next month. Time is the thing you can't get back. Dustin Woodley, Camelot Properties, LLC - Tri County River Region area.

Tyler, the first thing I would find out is **exactly where the foreclosure process stands**. Whether you can get the house back depends heavily on whether the foreclosure sale has already taken place. If the property has **not been sold yet**, Florida law generally gives the borrower an opportunity to stop the foreclosure by curing the default. Under Florida Statute §45.0315, the borrower can prevent the sale by paying the amount required under the foreclosure judgment, or, in certain circumstances, the amount necessary to cure the mortgage default plus allowable foreclosure expenses and attorney's fees. If a foreclosure judgment has already been entered, the amount needed can be substantial because it may include the loan balance required by the judgment, interest, court costs, attorney's fees, and other expenses. I would not guess at that number. I would get the foreclosure case number and ask the lender or its foreclosure attorney for the exact amount required to reinstate or otherwise satisfy the judgment. Because the property is in Broward County, you can also check the Broward County Clerk's court records to determine the status of the foreclosure case. Broward County also maintains a foreclosure-sale system for properties scheduled for sale. If the **foreclosure sale has already occurred**, the situation is very different. Florida's statute provides that the redemption right ends at the time specified by the statute and foreclosure judgment, and generally there is no right of redemption after that point. In that situation, you generally cannot simply pay the old mortgage and put the property back in your name. You may instead have to determine who obtained title and whether the property could be purchased from that owner. So my next step would be to locate the Broward County foreclosure case and determine three things: **Has a final judgment been entered? Has a foreclosure sale been scheduled? Has a certificate of sale or certificate of title already been filed?** Because the timing can affect your legal rights, I would contact a Florida foreclosure attorney promptly rather than relying solely on a real estate agent or the lender's verbal explanation. The Florida Bar also recommends contacting an attorney promptly when foreclosure papers have been served and provides lawyer-referral and legal-aid resources. Just a note: this is general real estate information, not legal advice, and it shouldn't be taken as a substitute for advice from a licensed attorney who can review the specific facts and applicable law. Great question.