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 list of 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. IF you are facing foreclosure or you have already lost your home to foreclosure please read the information below this chart of state foreclosure laws for information on how FRAUD STOPPERS can help you sue for legal remedy.

Now is the perfect time to stand up for your legal rights and sue for mortgage and foreclosure fraud because the legal tide is beginning to turn, and homeowners are starting to win!

In 2016 the California Supreme Court ruled in Yvanova v. New Century Mortgage Corporation (Case No. S218973, Cal. Sup. Ct. February 18, 2016) that homeowners have legal standing to challenge an assignment of the mortgage loan contract in an action for wrongful foreclosure on the grounds that the assignment(s) is/are void.

Obviously if the court had ruled differently, the banks would have had carte blanche to forge mortgage assignments with wild abandon. In fact, without a system of endorsements and assignments it would be impossible to determine who has a legitimate interest in the property!


Take action right now and get the FACTS and HELP that you need to gain the legal remedy that the law entitles you to, and that you deserve!

Remember to choose the person who referred you from the advocate or referral source.

Or choose FRAUD STOPPERS as the advocate or referral source if no one referred you.


FRAUD STOPPERS STOP FORECLOSUREIf you are in foreclosure or you have lost your home to foreclosure and you want to sue for mortgage fraud or foreclosure fraud, FRAUD STOPPERS PMA can help you save time and money, and increase your odds of success, with a court ready Quiet Title or Wrongful Foreclosure lawsuit package. If you have received a Notice of Default (NOD) or a Foreclosure Notice (Foreclosure Complaint) and you want to know how to respond to the Notice of Default (NOD) or a Foreclosure Notice (Foreclosure Complaint) call FRAUD STOPPERS PMA today because our prove system can help you fight to save your home from foreclosure fraud and/or mortgage fraud. Our court ready Quiet Title Lawsuit Package or Wrongful Foreclosure Lawsuit Packages includes a turnkey complaint (petition for damages), Bloomberg Securitization Audit, Expert Witness Affidavit, Application for Temporary Restraining Order (to stop a foreclosure sale or stop an eviction), Lis Pendens (to cloud the marketability of the title to the real property), and Pro Se education material that can show you how to win a Quiet Title Lawsuit or win a Wrongful Foreclosure Lawsuit. This entire court ready Quiet Title Lawsuit Package or Wrongful Foreclosure Lawsuit Package can help you save thousands of dollars in legal fees and help you increase your odds of success. For payment options or more information on this court ready Quiet Title Lawsuit Package or Wrongful Foreclosure Lawsuit Package please contact FRAUD STOPPERS PMA today at 844.372.8378 or open a case file for a Free Mortgage Fraud Analysis and Bloomberg Securitization Search to see if your current mortgage loan situation qualifies for a Quiet Title or Wrongful Foreclosure lawsuit here:


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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For information on foreclosure defense call us at 844-372-8378. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners.

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