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A lis pendens is a public notice that a lawsuit involving your property's title has started. In Florida it is usually filed by a mortgage lender or by an HOA or condo association.
It clouds the title, which makes selling or refinancing harder while the case is open. It does not mean your home is lost. Many homeowners still have several paths forward.
The most common reason. Your lender files to start the foreclosure process.
Associations in Florida can also file a lis pendens over unpaid dues or assessments.
The case is filed and you are formally notified.
The court moves toward a ruling in the case.
The court enters judgment and sets an auction date.
The property is sold at the county's foreclosure sale.
Timelines vary by county and case. [VERIFY TIMEFRAMES]
Pay what is past due, plus fees, to reinstate the loan.
Best if: you can catch up with a lump sum.
Ask your lender or association about a repayment plan or modification.
Best if: your income can support the home going forward.
Sell before the auction and keep any remaining equity.
Best if: you want a fresh start or have equity.
A Florida attorney can review whether the filing has problems.
Best if: you believe the filing contains errors.
Homeowners can search their county clerk's official records online to see filings on their property.
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