Facing foreclosure in Tampa? Sell for cash before the sale date.
A local Florida buyer for houses in foreclosure in Tampa. Two minutes to request an offer, and you choose the closing date.
- Written cash offer within 24 hours
- No obligation to accept
- You pick the closing date
Can I sell a house in foreclosure in Tampa?
Yes. In Florida a foreclosure has to go through the Circuit Court, so there is usually time to sell between the lawsuit and the Clerk's sale. You can sell for cash any time before the Clerk files the certificate of sale, pay off the lender at closing, and keep any equity that is left.
In Tampa, that means working with the Hillsborough County Clerk of Court's records and a Florida title company we close with regularly.
How foreclosure works in Hillsborough County
The steps below follow Florida statutes and the offices that handle them in Hillsborough County, which includes Tampa.
Missed payments
Federal servicing rules generally keep a lender from filing until a loan is more than 120 days behind. Use this window — it is the cheapest time to sell.
Lawsuit and lis pendens
The lender sues in the Hillsborough County Circuit Court (13th Judicial Circuit) and records a lis pendens. Once you are served you have 20 days to respond.
Final judgment
If the court rules for the lender, it sets a sale date, normally 20–35 days after the judgment (s. 45.031, Fla. Stat.).
Clerk's sale
The Hillsborough County Clerk of Court auctions the home, usually online. You can still pay off or sell until the Clerk files the certificate of sale (s. 45.0315).
After the sale
Any money above the debt is surplus. Claim it with the Clerk — surplus not paid out within a year of the sale is reported as unclaimed (s. 45.032).
What's different about Tampa
Tampa's older bungalows and block homes range from Seminole Heights to flood-prone South Tampa. Hurricanes Helene and Milton in 2024 left flood and wind damage across Hillsborough County, from South Tampa to inland neighborhoods along the Alafia River.
We buy houses in foreclosure in Seminole Heights, Ybor City, West Tampa, Sulphur Springs, East Tampa, Town 'n' Country and South Tampa, and anywhere else in Tampa, plus nearby Brandon and Sun City Center.
See also: Foreclosure across Hillsborough County
| County | Hillsborough County, Tampa Bay |
|---|---|
| County seat | Tampa |
| Court for foreclosure cases | Hillsborough County Circuit Court (13th Judicial Circuit) |
| Official records & court sales | Hillsborough County Clerk of Court |
| Property taxes | Hillsborough County Tax Collector |
| Where we buy | Seminole Heights, Ybor City, West Tampa, Sulphur Springs, East Tampa, Town 'n' Country, South Tampa · nearby Brandon, Sun City Center |
Is selling right for your Tampa house?
Selling to us is one option, not the only one. Tampa homeowners in this spot usually weigh reinstate the loan, loan modification or forbearance, list with an agent, short sale and sell for cash. If keeping the house or listing it makes more sense, we'll say so.
Compare every option in the Florida guide →- Behind on payments and the gap keeps growing
- A sale date is already set
- Worried about the credit damage
- The servicer won't agree to a plan you can afford
Three steps. Your schedule.
Here's exactly what happens after you ask for an offer on your Tampa property.
Tell us about the house
Share the address and a few details online or by phone. It takes about two minutes and costs nothing.
Get a written cash offer
We review the property and recent nearby sales and send a no-obligation cash offer, usually within 24 hours.
Pick your closing date
Close in as little as 7 days through a Florida title company, or pick a later date. We cover normal closing costs.
What Tampa homeowners ask about foreclosure
What happens to my equity if the house goes to auction?
If the auction brings more than you owe, the extra is surplus that you can claim from the Clerk. Selling before the auction usually keeps more of your equity, because auction prices are often below market.
Does Florida law protect me when I sell a house in foreclosure?
Yes. Florida's foreclosure-rescue statute (s. 501.1377) sets contract and cancellation rules for investors who buy homes in foreclosure. Ask us and we'll walk you through your rights in writing before you sign anything.
Where are Hillsborough County foreclosure sales held?
The Hillsborough County Clerk of Court runs court-ordered foreclosure sales. Florida law lets Clerks hold these sales online (s. 45.031), and the sale date is listed in the final judgment.
Do you buy houses in Tampa?
Yes. We buy in Seminole Heights, Ybor City, West Tampa and Sulphur Springs and every other part of Tampa, as well as the rest of Hillsborough County. Submit the address and we'll confirm within a day.
How fast can you close in Tampa?
As little as 7 days after you accept, using a Florida title company. If you need more time, we'll set the date that works for you.
Related help
Other situations in Tampa
Foreclosure help nearby
Get your no-obligation cash offer on your Tampa property.
Two minutes to submit, a written offer within 24 hours, and the closing date you choose. Nothing to fix, nothing to list.