Gino Herring,…, Real Estate Pro in South Florida, FL

It's been a while folks...cany anyone help? Is Florida a lien theory or title theory state?

Asked by Gino Herring, SFR, REALTOR®, South Florida, FL Fri Aug 12, 2011

Help the community by answering this question:


Hi Gino: Florida is a lien theory state. The buyer holds a deed to the property throughout the term of the mortgage and the title is held by the buyer. This makes foreclosure proceedings a little more difficult than in a title theory state, where the lender holds title.

FYI, here's a link to a map showing the distibution of lien theory and title theory states throughout the country:

Interesting question!

Villa G Realty, Inc.
Tel: 954-816-7996
Web Reference:
3 votes Thank Flag Link Fri Aug 12, 2011
Florida is a lien theory state
1 vote Thank Flag Link Fri Aug 12, 2011
Angela, great response, and the map is brilliant. I am testing to gain reciprocity with other states and I need this valuable tool! Tremendous help.

Gino Herring, SFR
United Realty Group, Inc.
954-770-5568 p
877-570-2268 f
1 vote Thank Flag Link Fri Aug 12, 2011
Ya see,...I knew I could count on my coworkers at United!! Thanks, Ana.

Gino Herring, SFR
1 vote Thank Flag Link Fri Aug 12, 2011
Lien Theory. The mortgage is a lien on the property.

Ana Huffer
United Realty Group
(305) 951-7201
1 vote Thank Flag Link Fri Aug 12, 2011
Search Advice
Ask our community a question
Email me when…

Learn more

Copyright © 2014 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer