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Florida Mortgage State Laws
Regarding Florida Statute Chapters
 

Chapter 697- The Nature of a Mortgage: Mortgages are more numerous than deeds of trust, and witnesses are not required for the creation of a mortgage.

Chapter 698- Chattel Mortgage: The title is not transferred in the mortgage. The debate of title transfer only occurs in the case of default.

Chapter 701- Assignment and Cancellation of Mortgages: Florida is unique in regards to mortgage satisfaction in that its laws are much harsher than other states. If the lender does not issue a satisfaction certificate within sixty days of the final payment of the loan, he/she has committed a second-degree misdemeanor.

Chapter 702- Foreclosure of mortgagee, Agreements for deeds, and Statutory Liens: All foreclosures, except multifamily property of more than four units, are foreclosed judicially, and in equity. The foreclosure takes place in court, and without a jury.