We Buy Houses Across Florida, As-Is
We buy houses anywhere in Florida for cash, in whatever condition they are in. Put the address in, get a number within 24 hours, and if it works you pick the closing date — usually 7 to 14 days out. No repairs, no showings, no commission, no fees, no obligation.
Sometimes we buy the house ourselves. Sometimes the right buyer is someone else in our network and we bring them to you. Either way the offer costs you nothing.
The short version
Florida is a judicial foreclosure state, so your lender has to sue you in court — you almost certainly have more time than the letter made you think. The thing that actually strands Florida houses is not price, it is insurance: no policy, no lender, no financed buyer. If your house is insurable and you can wait a couple of months, list it with an agent and you will net more.
How It Works
Three steps, and you can stop at any one of them.
- Put the address in. That is all we need to start.
- We look at the house and the market, then give you a number within 24 hours. If there is damage, an open claim, or an insurance problem, tell us — none of it disqualifies the house, it just changes the maths.
- You pick the closing date. 7 to 14 days is typical. Longer is fine if you need time to line up somewhere to go.
No obligation at any step. We have bought more than 100 houses. Nobody is going to chase you.
The Insurance Market Got Better. That Made Some Houses Harder to Sell.
Florida’s insurance market is in better shape in 2026 than it has been in years. Citizens, the state-backed insurer of last resort, peaked at roughly 1.41 million policies in October 2023. It started 2026 with about 395,000. Seventeen new carriers have come into the state since the reforms. Dozens filed for rate decreases last year. If you only read headlines, the crisis is over.
Here is what the headlines miss. The carriers came back selectively. They are competing hard for the newer roof, the clean claims history, the house outside the worst wind and flood exposure. They are not competing for the twenty-year-old roof with an open claim from Milton.
So the average improved and a particular kind of house got harder, not easier. The market that used to take anything is the market that shrank.
The mechanism underneath has not changed at all: a buyer who needs a mortgage needs insurance. No lender closes a loan on a house nobody will cover. So the moment a house becomes hard to insure, the financed buyer pool for it quietly disappears. The listing sits. The agent says cut the price. You cut it. It still sits.
It was never the price. It was the binder nobody could get.
A cash buyer does not need a lender, and does not need a policy in hand to close. That is the entire reason this route exists, and it is why cash is a bigger share of the market here than in most of the country.
What actually decides insurability in Florida:
- Roof age — the single biggest factor, and past a certain age most carriers stop writing regardless of condition
- Claims history — prior water intrusion follows the address, not the owner
- Flood zone — a separate policy at a separate cost, and much of the state is in one
- Unrepaired storm damage — Helene and Milton hit in 2024 and plenty of it is still not fixed: contractors booked out, claims disputed, deductibles nobody had
- Wind mitigation — the report the carrier does not like is often the whole story
Condos: The Milestone Inspection Problem
If you own a condo in a building three or more habitable stories tall, Florida now requires a milestone inspection once the building reaches 30 years old — 25 in some coastal jurisdictions — and every ten years after that. Associations also have to complete a structural integrity reserve study and actually fund the reserves it identifies.
This is the Surfside legislation. It is doing what it was written to do, and it is landing on individual owners as special assessments nobody budgeted for — on units that are suddenly hard to sell, because a buyer’s lender can see the same assessment coming.
We buy condos. Tell us the assessment number up front. It changes the offer, not the answer.
Foreclosure in Florida Is Slower Than Almost Anywhere
Florida is a judicial foreclosure state. Your lender cannot simply post a sale date and be done with you. They have to file a lawsuit, serve you, and win it. Between the process itself and county court backlogs, Florida foreclosures commonly run from six months to well over two years.
Two things follow, and they point in opposite directions.
First: you have more room than you have been told. If a letter frightened you last week, the auction is not next week.
Second: the room ends abruptly. You get twenty days to answer the suit. Ignore it and the lender takes a default judgment. Once final judgment is entered, the sale is typically set twenty to thirty-five days out. You can sell right up until the clerk files the certificate of sale — after that the house is not yours to sell.
If you have been reading foreclosure advice written for Texas or Tennessee, set it aside. Those are non-judicial states where a trustee can reach a sale in weeks with no courtroom at all. Florida is not that. We wrote about selling before the foreclosure window closes if you want the detail.
What You Are Not Paying
The comparison people forget is not offer against offer. It is offer against net.
| Listing with an agent | Selling to us | |
| Agent commission | Typically 5–6% of the sale price | None |
| Repairs before sale | Usually required to get financed | None — we buy as-is |
| Insurance needed to close | Yes — the buyer’s lender requires it | No lender, so no binder needed |
| Closing costs | Yours to negotiate | We cover them |
| Time to close | Months, and longer if the house is hard to insure | 7–14 days, your date |
| Carrying costs meanwhile | Mortgage, insurance, taxes, HOA, utilities | Stop at closing |
| Risk the deal collapses | Financing, appraisal and insurance can kill it late | No lender, no appraisal |
When You Should Not Sell to Us
If your Florida house is in good shape, currently insurable, and you can wait two or three months — list it with an agent. Florida has real buyers with real mortgages, and a clean insurable house will find one. Even after you pay 5 to 6 percent commission you will very likely net more than our number. We will tell you that on the phone.
Our offer earns its keep when the ordinary path is shut: the house will not insure, the roof is finished, the storm damage is still sitting there, the assessment is due, probate is dragging, or the calendar is the actual problem. Then the question stops being who pays the most in theory and becomes who actually closes.
Where We Buy in Florida
Statewide. The addresses that come in most often are Tampa, Orlando, Jacksonville, Miami, St. Petersburg, Fort Lauderdale, Pensacola, Lakeland, Clearwater, Port St. Lucie, Gainesville, Hialeah and Brandon — but a house in a town none of those lists mention gets the same number in the same 24 hours.
Straight Answers
How fast can I sell my house in Florida?
An offer within 24 hours of us getting the address, and closing in 7 to 14 days if you want it that fast. You pick the date.
Will you buy a house that no insurer will cover?
Yes. That is precisely the situation where a cash sale works and a normal listing does not. We do not need a policy to close, because we do not need a lender.
Will you buy a house with unrepaired hurricane damage?
Yes. Damage from Helene and Milton is still one of the most common reasons people call us from Florida. You do not need to fix it, tarp it, or finish the claim first.
Do you buy condos facing a special assessment?
Yes. Tell us the assessment amount and the building’s milestone inspection status up front. It affects the number. It does not stop the sale.
Can I sell if foreclosure has already started?
Yes — right up until the clerk files the certificate of sale. Florida’s judicial process usually gives you more time than you expect, but do not wait for the judgment. Once it is entered the sale can be as little as twenty days away.
Do I have to clean the house out?
No. Take what matters to you and leave the rest. We have seen worse than yours.
Is there a fee, and are you the buyer?
No fee — no commission, no closing costs, nothing deducted. On who buys it: sometimes we buy the house ourselves, and sometimes the best buyer for it is another company in our network and we bring them to you. Either way you pay nothing and you are under no obligation.
Get a Number on Your Florida House
Put the address in at the top of this page and you will have an offer tomorrow. Or call (615) 780-7349 and ask first — including asking whether an agent would do better for you. Sometimes the answer is yes, and we will say so.
Related reading: selling as-is, selling an inherited house, cash buyer vs agent vs iBuyer.