Foreclosure Laws of Individual States
We are providing information about state foreclosure laws. This information is designed to help you understand the process in each state. However, legal information is not legal advice. We are not giving legal advice. The laws of every state are different and frequently change. If necessary, seek legal or professional advice according to your situation.
We have elected to summarize each states laws. For a more in-depth analysis of Foreclosure Laws of Individual States, please visit the website listed below each summary and search that states full text of the law.
CAUTION: Information on the Internet for the most part is incorrect! Many sites that are publicizing Foreclosure Laws have incorrect information. We went through lengthy and timely research to bring you the most up-to-date and correct information available.
MORTGAGE AND DEED OF TRUST STATES
Below you will find each state according to whether they are Mortgage, Deed of Trust or both.
Mortgage States
Alabama Louisiana North Dakota
Arkansas Maine Ohio
Connecticut Massachusetts Oregon
Delaware Michigan Pennsylvania
Florida Minnesota Rhode Island
Hawaii New Hampshire South Carolina
Indiana New Jersey Vermont
Kansas New Mexico Wisconsin
New York
Deed of Trust States
Alaska Mississippi North Carolina
Arizona Missouri Virginia
California Nevada Washington, DC
States that use both Deeds of Trust and Mortgages
Colorado Montana Texas
Idaho Nebraska Utah
Illinois Oklahoma Wyoming
Iowa Oregon Washington
Maryland Tennessee Georgia
West Virginia Kentucky
FORECLOSURE SUMMARIES
The following summaries give some information on individual state foreclosure laws. Timelines will vary depending on specific circumstances and each situation. The timelines noted within are based on uncontested actions and assume no delays. They give the time for the sale, then the running totals for various procedures, until the end, when the longest time possible for the entire foreclosure process ends. Often, these times are longer than normal in that redemption doesnt often occur. However, delays do so keep this in mind every foreclosure is a unique situation, timelines will vary from foreclosure to foreclosure, and from state-to-state. All foreclosures must be conducted under GSE guidelines.
Alabama Foreclosure Laws
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 49-73 days sale held; 30 - 60 days if NOD is not required.
Right of Redemption: Yes (12 months)
Deficiency Judgments Allowed: Yes
Alaska Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 105-108 days sale held; 108-111 deed recorded
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Arizona Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 115 days (non-judicial)
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Arkansas Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes, most circumstances
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 90 days
Right of Redemption: Ends at sale
Deficiency Judgments Allowed: Yes
California Foreclosure Laws
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 120 days
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Colorado Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes (usual)
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 91 days sale held; 166 redemption expires; 173 deed recorded
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Connecticut Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 90 days default entered; 180 redemption expires
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
D.C. (Washington District of Columbia)
Judicial Foreclosure Available: No
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust
Timeline: 47 days sale held; 48 deed sent for recording;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Delaware Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 170-210 days sale held; 200-300 confirmation of sale;
Right of Redemption: No
Deficiency Judgments Allowed: No
Florida Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 135 days sale held; 150 certificate of title issued;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Georgia Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes (usual)
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 37 days sale held; 48 deed sent for recording;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Hawaii Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline (JF): 220 days auction; 260 confirmation; 320 conveyance;
Timeline (NJ): 160 days auction; 195 conveyance;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Idaho Foreclosure Laws
Judicial Foreclosure Available: No
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust
Timeline: 150 days sale held; deed recorded
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Illinois Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 300 days sale held; 345 redemption period expires; deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Indiana Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 251 days sale held; 266 redemption period expires; deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Iowa Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 160 days sale held; 180 redemption period expires; deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: No
Kansas Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 130 days sale held; 210 495 redemption period expires; 230 515 file closed;
Right of Redemption: Yes (3 to 12 months)
Deficiency Judgments Allowed: Yes
Kentucky Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 147 days sale held; 177 sale confirmation; 198 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Louisiana Foreclosure Laws
Judicial Foreclosure Available: Yes (Executory and Ordinary Process)
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline (EP): 180 days sale held; 209 deed recorded;
Timeline (OP): 240 days sale held; 269 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Maine Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 240 days sale held; 270 deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Maryland Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 46 days sale held;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Massachusetts Foreclosure Laws
Judicial Foreclosure Available: No
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 75 days sale held;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Michigan Foreclosure Laws
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 60 days sale held; 90 425 redemption expires, deed recorded;
Right of Redemption: Yes (6 months is common)
Deficiency Judgments Allowed: Yes
Minnesota Foreclosure Laws
Judicial Foreclosure Available: No
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Mortgage
Timeline: 90 100 days sale held; 270-280 redemption expires;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Mississippi Foreclosure Laws
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 90 days sale held;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Missouri Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 60 days sale held; 61-65 deed recorded;
Right of Redemption: Yes ( rare and difficult)
Deficiency Judgments Allowed: Yes
Montana Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 150 days sale held; 153 deed recorded; 163 possession transferred;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Nebraska Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Mortgage
Timeline (JF): 142 days sale held; 176 deed recorded;
Timeline (NJ): 111 days sale held; 121 deed recorded;
Right of Redemption: Judicial 30 days; Non-judicial no;
Deficiency Judgments Allowed: Yes
Nevada Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline (NJ): 116 days sale held; 118 trustees deed upon sale recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
New Hampshire Foreclosure
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 59 days sale held; 75 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
New Jersey Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 270 days sale held; 280 deed recorded; 290
Right of Redemption: Yes (10 days)
Deficiency Judgments Allowed: Yes
New Mexico Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Mortgage
Timeline: 180 days sale held; 195 deed recorded; 225 redemption expires;
Right of Redemption: Yes (30 days)
Deficiency Judgments Allowed: Yes
New York Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline (New York City): 445 days sale held;
Timeline (Outside the City):335 days sale held;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
North Carolina Foreclosure Law
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 110 days sale held; 120 deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
North Dakota Foreclosure Law
Judicial Foreclosure Available: Yes (usually)
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 150 days entry of judgment to sale;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Ohio Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 217 days sale held; until redemption expires and deed is recorded depends on county;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Oklahoma Foreclosure Law
Judicial Foreclosure Available: Yes (usually)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 156 days sale held; 186 sale confirmed; 201 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Oregon Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes (usually)
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 150 days sale held; 160 trustees deed recorded;
Right of Redemption: Rare
Deficiency Judgments Allowed: Yes
Pennsylvania Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 270 days sale held; 300 redemption expires and deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Rhode Island Foreclosure Law
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 74 days sale held;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
South Carolina Foreclosure
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instrument: Mortgage
Timeline: 150 days sale complete; 180 redemption expires and deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
South Dakota Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes (Rare)
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 150 days sale held; 340 redemption expires and deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Tennessee Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes (very rare)
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 40-45 days sale held; 50-55 deed recorded
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Texas Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Home Equity Loan
Timeline: 97 days sale held; 102 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Utah Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instrument: Deed of Trust, Mortgage
Timeline: 138 days sale held; 139 deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Vermont Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 95 days default judgment enters; 275 redemption expires and deed recorded;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
http://vermont.gov/
Virginia Foreclosure Law
Judicial Foreclosure Available: Yes (rare)
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 45 days sale held; 60 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Washington Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 135 days sale held; 140-150 deed recorded
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Washington D.C. Foreclosure Law
Judicial Foreclosure Available: No
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust
Timeline: 47 days sale held; 48 deed sent for recording;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
West Virginia Foreclosure Law
Judicial Foreclosure Available: No
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 60-90 days sale held; 120 deed recorded;
Right of Redemption: No
Deficiency Judgments Allowed: Yes
Wisconsin Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: No
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 290 days sale held; 300 confirmation of sale; 305 deed recorded; 315 final title;
Right of Redemption: Yes
Deficiency Judgments Allowed: Yes
Wyoming Foreclosure Law
Judicial Foreclosure Available: Yes
Non-Judicial Foreclosure Available: Yes
Primary Security Instruments: Deed of Trust, Mortgage
Timeline: 60 days sale held;
Right of Redemption: Yes
Deficiency Judgments Allowed: No
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