Actually, the lienholder should send you the title, with the lien marked as satisfied, or released. That way you donu2019t wait for the Florida DMV at all, as the only way they would have the title in the first place is if the lienholder applied for a new title and hadnu2019t received it yet. Without your signature authorizing a replacement title, that would be a major no-no. You should call the agency who loaned you the money and ask them to send you the title, preferably by USPS express mail.