State Foreclosure Laws and Timelines

Foreclosure is a legal process through which lenders reclaim properties from borrowers who can no longer afford to meet their monthly mortgage obligations. Home foreclosure laws and procedures vary from state-to-state. So depending on where you live — or where you’re looking to buy — the foreclosure timeline can and often does change.

Below is a state foreclosure laws timeline that is designed to give you a comprehensive overview of the process throughout the United States. Click on any state name to drill down and learn more details about the foreclosure procedures in that state.

State Foreclosure Listings Judicial Non-Judicial Foreclosure Timeline Redemption Period Deficient Judgement State Law Reference
Alabama Alabama Foreclosures checked checked 1 – 3 Months Up to 12 Months Yes (Judicial) Reference
Alaska Alaska Foreclosures checked checked 3 – 4 Months None Yes (Judicial) Reference
Arizona Arizona Foreclosures checked checked 3 – 4 Months Up to 6 Months Yes (Judicial) Reference
Arkansas Arkansas Foreclosures checked checked 4 – 5 Months Up to 12 Months Yes Reference
California California Foreclosures checked checked 3 – 5 Months Not Likely Yes (Judicial) Reference
Colorado Colorado Foreclosures checked checked 2 – 5 Months None Yes Reference
Connecticut Connecticut Foreclosures checked 5 – 6 Months Court Determined Yes Reference
Delaware Delaware Foreclosures checked 3 – 7 Months None Yes Reference
District of Columbia District of Columbia Foreclosures checked 2 – 4 Months None Yes Reference
Florida Florida Foreclosures checked 4 – 6 Months Yes Yes Reference
Georgia Georgia Foreclosures checked checked 2 – 3 Months None Yes Reference
Hawaii Hawaii Foreclosures checked checked 3 – 4 Months None Yes Reference
Idaho Idaho Foreclosures checked checked 5 – 6 Months None Yes Reference
Illinois Illinois Foreclosures checked 7 – 10 Months Yes 3 – 7 Months Yes Reference
Indiana Indiana Foreclosures checked 5 – 7 Months None Yes Reference
Iowa Iowa Foreclosures checked checked 5 – 6 Months 12 Months Yes Reference
Kansas Kansas Foreclosures checked 3 – 5 Months Up to 12 Months Yes Reference
Kentucky Kentucky Foreclosures checked 5 – 6 Months Up to 12 Months Yes Reference
Louisiana Louisiana Foreclosures checked 2 – 6 Months None Yes Reference
Maine Maine Foreclosures checked 6 – 10 Months 90 Days Yes Reference
Maryland Maryland Foreclosures checked 2 – 3 Months Court Determined Yes Reference
Massachusetts Massachusetts Foreclosures checked 3 – 4 Months None Yes Reference
Michigan Michigan Foreclosures checked 2 – 3 Months Up to 12 Months Yes Reference
Minnesota Minnesota Foreclosures checked checked 2 – 3 Months 6 Months Yes (Judicial) Reference
Mississippi Mississippi Foreclosures checked checked 2 – 3 Months None Yes Reference
Missouri Missouri Foreclosures checked checked 2 – 3 Months Up to 12 Months Yes Reference
Montana Montana Foreclosures checked checked 4 – 6 Months 12 Months Yes (Judicial) Reference
Nebraska Nebraska Foreclosures checked 5 – 6 Months None Yes Reference
Nevada Nevada Foreclosures checked checked 3 – 5 Months None Yes Reference
New Hampshire New Hampshire Foreclosures checked 2 – 3 Months None Yes Reference
New Jersey New Jersey Foreclosures checked 3 – 10 Months 6 Months Yes Reference
New Mexico New Mexico Foreclosures checked 4 – 6 Months 9 Months Yes Reference
New York New York Foreclosures checked 4 – 8 Months None Yes Reference
North Carolina North Carolina Foreclosures checked checked 2 – 4 Months 10 Days Yes (Judicial) Reference
North Dakota North Dakota Foreclosures checked 3 – 5 Months 60 Days No Reference
Ohio Ohio Foreclosures checked 5 – 7 Months Until Confirmation Yes Reference
Oklahoma Oklahoma Foreclosures checked checked 4 – 7 Months Until Confirmation Yes Reference
Oregon Oregon Foreclosures checked checked 4 – 6 Months None No Reference
Pennsylvania Pennsylvania Foreclosures checked 3 – 9 Months None Yes Reference
Rhode Island Rhode Island Foreclosures checked checked 2 – 3 Months Up to 3 Years Yes Reference
South Carolina South Carolina Foreclosures checked 4 – 7 Months None Yes Reference
South Dakota South Dakota Foreclosures checked checked 6 – 9 Months Up to 12 Months Yes Reference
Tennessee Tennessee Foreclosures checked 2 – 3 Months Up to 2 Years Yes Reference
Texas Texas Foreclosures checked checked 2 – 3 Months None Yes Reference
Utah Utah Foreclosures 4 – 5 Months 180 Days Yes Reference
Vermont Vermont Foreclosures checked 7- 10 Months Up to 6 Months Yes Reference
Virginia Virginia Foreclosures checked checked 2 – 3 Months None Yes Reference
Washington Washington Foreclosures checked checked 4 – 5 Months None Yes (Judicial) Reference
West Virginia West Virginia Foreclosures checked 2 – 3 Months None Yes Reference
Wisconsin Wisconsin Foreclosures checked checked 6 – 10 Months None Yes Reference
Wyoming Wyoming Foreclosures checked checked 2 – 3 Months 3 Months Yes Reference

 

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State    Foreclosure Listings    Judicial    Non-Judicial    Foreclosure Timeline    Redemption Period    Deficient Judgement    State Law Reference
Alabama    Alabama Foreclosures

1 – 3 Months    Up to 12 Months    Yes (Judicial)    Reference

Alaska    Alaska Foreclosures

3 – 4 Months    None    Yes (Judicial)    Reference

Arizona    Arizona Foreclosures

3 – 4 Months    Up to 6 Months    Yes (Judicial)    Reference

Arkansas    Arkansas Foreclosures

4 – 5 Months    Up to 12 Months    Yes    Reference

California    California Foreclosures

3 – 5 Months    Not Likely    Yes (Judicial)    Reference

Colorado    Colorado Foreclosures

2 – 5 Months    None    Yes    Reference

Connecticut    Connecticut Foreclosures
5 – 6 Months    Court Determined    Yes    Reference

Delaware    Delaware Foreclosures
3 – 7 Months    None    Yes    Reference

District of Columbia    District of Columbia Foreclosures
2 – 4 Months    None    Yes    Reference

Florida    Florida Foreclosures
4 – 6 Months    Yes    Yes    Reference

Georgia    Georgia Foreclosures

2 – 3 Months    None    Yes    Reference

Hawaii    Hawaii Foreclosures

3 – 4 Months    None    Yes    Reference

Idaho    Idaho Foreclosures

5 – 6 Months    None    Yes    Reference

Illinois    Illinois Foreclosures
7 – 10 Months    Yes 3 – 7 Months    Yes    Reference

Indiana    Indiana Foreclosures
5 – 7 Months    None    Yes    Reference

Iowa    Iowa Foreclosures

5 – 6 Months    12 Months    Yes    Reference

Kansas    Kansas Foreclosures
3 – 5 Months    Up to 12 Months    Yes    Reference

Kentucky    Kentucky Foreclosures
5 – 6 Months    Up to 12 Months    Yes    Reference

Louisiana    Louisiana Foreclosures
2 – 6 Months    None    Yes    Reference

Maine    Maine Foreclosures
6 – 10 Months    90 Days    Yes    Reference

Maryland    Maryland Foreclosures
2 – 3 Months    Court Determined    Yes    Reference

Massachusetts    Massachusetts Foreclosures
3 – 4 Months    None    Yes    Reference

Michigan    Michigan Foreclosures
2 – 3 Months    Up to 12 Months    Yes    Reference

Minnesota    Minnesota Foreclosures

2 – 3 Months    6 Months    Yes (Judicial)    Reference

Mississippi    Mississippi Foreclosures

2 – 3 Months    None    Yes    Reference

Missouri    Missouri Foreclosures

2 – 3 Months    Up to 12 Months    Yes    Reference

Montana    Montana Foreclosures

4 – 6 Months    12 Months    Yes (Judicial)    Reference

Nebraska    Nebraska Foreclosures
5 – 6 Months    None    Yes    Reference

Nevada    Nevada Foreclosures

3 – 5 Months    None    Yes    Reference

New Hampshire    New Hampshire Foreclosures
2 – 3 Months    None    Yes    Reference

New Jersey    New Jersey Foreclosures
3 – 10 Months    6 Months    Yes    Reference

New Mexico    New Mexico Foreclosures
4 – 6 Months    9 Months    Yes    Reference

New York    New York Foreclosures
4 – 8 Months    None    Yes    Reference

North Carolina    North Carolina Foreclosures

2 – 4 Months    10 Days    Yes (Judicial)    Reference

North Dakota    North Dakota Foreclosures
3 – 5 Months    60 Days    No    Reference

Ohio    Ohio Foreclosures
5 – 7 Months    Until Confirmation    Yes    Reference

Oklahoma    Oklahoma Foreclosures

4 – 7 Months    Until Confirmation    Yes    Reference

Oregon    Oregon Foreclosures

4 – 6 Months    None    No    Reference

Pennsylvania    Pennsylvania Foreclosures
3 – 9 Months    None    Yes    Reference

Rhode Island    Rhode Island Foreclosures

2 – 3 Months    Up to 3 Years    Yes    Reference

South Carolina    South Carolina Foreclosures
4 – 7 Months    None    Yes    Reference

South Dakota    South Dakota Foreclosures

6 – 9 Months    Up to 12 Months    Yes    Reference

Tennessee    Tennessee Foreclosures
2 – 3 Months    Up to 2 Years    Yes    Reference

Texas    Texas Foreclosures

2 – 3 Months    None    Yes    Reference

Utah    Utah Foreclosures              4 – 5 Months    180 Days    Yes    Reference

Vermont    Vermont Foreclosures
7- 10 Months    Up to 6 Months    Yes    Reference

Virginia    Virginia Foreclosures

2 – 3 Months    None    Yes    Reference

Washington    Washington Foreclosures

4 – 5 Months    None    Yes (Judicial)    Reference

West Virginia    West Virginia Foreclosures
2 – 3 Months    None    Yes    Reference

Wisconsin    Wisconsin Foreclosures

6 – 10 Months    None    Yes    Reference

Wyoming    Wyoming Foreclosures

2 – 3 Months    3 Months    Yes    Reference

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Legal Information Is Not Legal Advice: This site provides “information” about the law and is only designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice — the application of law to an individual’s specific circumstances. THIS SITE IS NOT INTENDED TO BE MISCONSTRUED AS LEGAL ADVICE. Fraud Stoppers is NOT a law firm, non-profit organization, or government agency. Register for your Free Mortgage Fraud Analysis and Securitization Search, and get Free Foreclosure Defense Help and Free Foreclosure Defense Documents that you can use to stop a foreclosure and save your house.

 

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