How to Stop a Foreclosure Auction in Florida
If you have equity, a bailout loan can pay off the foreclosing debt before the sale date.
Call (727) 642-1166Start with your equity
A bailout loan can only stop the auction if the property is worth enough. The payoff — the amount needed to end the foreclosure, plus closing costs — should be no more than 50% of the property value, and in some cases up to 65%. Run the numbers in the pre-approval calculator on our home page: it estimates closing costs at 10% of the loan required and checks the result against those limits.
Steps to stop the sale with a bailout loan
Bailout loan rules
Credit score not required
We understand your credit is not in good standing.
Income not always required
Ideally you show you can cover the new mortgage — but it is not required.
All property types
All residential and commercial real estate types are eligible.
50%–65% LTV
Your payoff should be no higher than 50% of the property value; in some cases up to 65%.
$150,000 minimum
No maximum loan amount.
Funding in days
Not months — built for auction deadlines.
What happens next
With the foreclosure paid off, you have breathing room: repair your credit and refinance with a traditional lender later, or sell the property on your own terms and keep the equity.
Background reading: the Florida foreclosure process and 2026 changes to Florida foreclosure laws.
Frequently Asked Questions
Can a loan stop a foreclosure auction?
Yes — a bailout loan that pays off the foreclosing debt before the sale ends the foreclosure.
How close to the auction can I get a bailout loan?
Funding takes days, but a property valuation may take 7–12 days, so call as early as possible.
What if I don’t have enough equity?
The payoff must be no more than 50% of the value (in some cases 65%); below that, a bailout loan cannot cover it.
Do I need a lawyer?
We are a lender, not a law firm; for legal advice about your case, talk to an attorney.
Auction date coming? Call us right away.
Call (727) 642-1166Commercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. We are a lender, not a law firm — for legal advice about your foreclosure case, talk to an attorney. All loans are subject to underwriting and approval.