Pre-forclosure is when your house payment becomes 3 months in arrrears. The foreclosure process begins. In the State of Florida, a home can foreclose as soon as 7 months. It can be delayed, however, if you communicate with your lender itr is on the market to sell. They have the power to delay proceedings. That is why some seem longer to foreclose. If a lender knows the home is not homesteaded and/or vacant, they will foreclose faster. They tend to wait the full year if homesteaded. You will be served papers, and also papers or letter from their Attornies that the forclosure is complete after the court date from the judge. Once that is complete, you have 30 days to move out, or to make your loan up to date. Hope this helps. I have helped many people in this situation already. Please feel free to email for any other specific questions you might have.