Article
Are Foreclosures Actually Increasing in Florida?
The short answer
Foreclosure headlines often compare against unusually low pandemic-era numbers, which can make normal activity look dramatic. What matters is the trend against a longer baseline, and where filings are concentrated.
Why the headlines can mislead
Percentage increases from a very low base look large even when totals remain modest. Comparing to a multi-year baseline gives a truer picture.
What to check
- Filings versus completed foreclosures — they aren't the same.
- Concentration by county and property type.
- Whether pressure is tied to rising insurance or association assessments.
Current data
Instead of estimates that age badly, this section sticks to the mechanics; current, sourced figures are reviewed with you one on one.
If you're a homeowner feeling the pressure
Options often exist earlier than people expect, including reviewing your insurance and escrow, refinancing where it makes sense, or selling with equity rather than waiting. Reach out early — choices narrow with time.
Related Resources
Want me to run your real numbers?
About the Author
Tanesha Tomlinson
Florida Mortgage Loan Advisor, Hometown Financial Group, LLC DBA Modus Mortgage
NMLS #1540854 · Company NMLS #1028232
Tanesha Tomlinson is a 24-year Florida mortgage industry expert who has originated over $100,000,000 in mortgages. She works with homebuyers, homeowners, and Realtor partners across South Florida, Broward County, Central Florida, and the Orlando area. Her focus is qualification, income calculation, loan programs, down payment assistance, and cash to close — explained plainly, with the numbers in front of you. As a licensed Florida Realtor® with United Realty Group, she also understands the property and contract side of the same purchase.
Follow Tanesha on Instagram, Facebook, YouTube, and LinkedIn
Hometown Financial Group, LLC DBA Modus Mortgage · Company NMLS #1028232 · Tanesha Tomlinson NMLS #1540854 · Florida Real Estate License #SL3524613 (United Realty Group) · Equal Housing Lender. Licenses can be verified on NMLS Consumer Access and the Florida DBPR license portal. Content is educational only and is not a commitment to lend.
Last updated August 31, 2026
Tanesha Tomlinson · Mortgage Loan Advisor | Realtor® · Hometown Financial Group, LLC DBA Modus Mortgage · NMLS #1540854 · Company NMLS #1028232 · 140 S. Arthur St. #600, Spokane, WA 99202 · United Realty Group · FL Real Estate License SL3524613
Information and tools on this website are educational only and should not be considered individualized financial, legal, or tax advice. Estimates are not a pre-approval, loan approval, or commitment to lend. Mortgage approval, rates, APRs, payments, taxes, insurance, closing costs, and loan terms are subject to borrower qualifications, property information, applicable loan-program requirements, and underwriting. This website disclaimer does not replace Modus Mortgage's official disclosures.
