The foreclosure time frames here in South Florida can range from 6 months to a year or more; it depends on a number of criteria. Have you tried either a loan modification or a Short Sale? I would be glad to talk with you on your options so you won't have to fight foreclosure but can have a chance at avoiding foreclosure. I do specialize in Short Sales having helped many a homeowner avoid foreclosure.Please email me or call me do discuss this further. Please don't just move out as you have options.
954-464-1100 phone or email: lynnp@ImagineYourHouse.com
This is how it is in California. Each state varies in their foreclosure proceedings. Check with your state to verify timeframes and anything else you should expect. Your lender will offer you this information as well as the trustee who is authorized to hold the auction.
Good luck. Sorry to hear about your situation. But you are not alone, that's for sure.
Diane Wheatley, Broker
Usually you'll have 30 days from when you are actually served with a writ of eviction. This will be served directly to you by a peace officer (typical) - or if you are not around, taped to your front door.
If you merely received the first notice of foreclosure then it can still be quite a while before your home goes to sheriff's auction. Only after the auction is over will you be served a writ of eviction.
Even if you don't think that you want to fight this at all - please have a free consult with a foreclosure real estate lawyer - just to know your options.
~ National Featured Realtor and Consultant, Lecturer regarding Credit Repair, Mortgage Loan Officer