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FORECLOSURE INFORMATION

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 STATE FORECLOSURE PROCEDURES

This is a general guide only, laws change and you need to check your state statutes for accurate, up to date procedures.

STATE TYPE OF
FORECLOSURE
MONTHS
TO FORECLOSE
DEFICIENCY
JUDGEMENT
REDEMPTION
PERIOD
    MINIMUM/EXPECTED    
Alabama Primarily
Non-Judicial
1/3 Possible and
Practical
12 Months
Alaska Both 3/4 Not Practical None
Arizona Both 3/4 Not Practical None
Arkansas Both 4/5 Possible and
Practical
None
California Primarily
Non-Judicial
4/4 Not Practical None
Colorado Both 2/5 Possible and
Practical
75 Days
Connecticut Judicial/Strict 5/6 Possible and
Practical
None
Delaware Judicial 3/7 Possible and
Practical
None
District of
Columbia
Non-Judicial 2/4 Possible and
Practical
None
Florida Judicial 5/5 Possible and
Practical
None
Georgia Primarily
Non-Judicial
2/2 Possible and
Practical
None
Hawaii Primarily
Non-Judicial
3/4 Not Practical None
Idaho Non-Judicial 5/6 Possible and
Practical
None
Illinois Judicial 7/10 Possible and
Practical
None
Indiana Judicial 5/7 Possible and
Practical
3 Months
Iowa Both 5/6 Not Practical 6 Months,
if judicial
Kansas Judicial 4/4 Possible and
Practical
6-12 Months
Kentucky Judicial 6/5 Possible and
Practical
None
Louisiana Judicial 2/6 Possible and
Practical
None
Maine Primarily Judicial 6/10 Possible and
Practical
None
Maryland Judicial 2/2 Possible and
Practical
None
Massachusetts Non-Judicial 3/4 Possible and
Practical
None
Michigan Both 2/2 Possible and
Practical
6 Months
Minnesota Both 2/3 Not Practical 6 Months
Mississippi Primarily
Non-Judicial
2/3 Possible and
Practical
None
Missouri Primarily
Non-Judicial
2/2 Possible and
Practical
None
Montana Primarily
Non-Judicial
5/5 Not Practical None
Nebraska Judicial 5/6 Possible and
Practical
None
Nevada Primarily
Non-Judicial
4/4 Possible and
Practical
None
New Hampshire Primarily
Non-Judicial
2/3 Possible and
Practical
None
New Jersey Judicial 3/10 Possible and
Practical
10 Days
New Mexico Judicial 4/6 Possible and
Practical
None
New York Judicial 4/8 Possible and
Practical
None
North Carolina Non-Judicial 2/4 Possible and
Practical
None
North Dakota Judicial 3/5 Not Possible 60 Days
Ohio Judicial 5/7 Possible and
Practical
None
Oklahoma Primarily Judicial 4/7 Possible and
Practical
None
Oregon Non-Judicial 5/5 Not Practical None
Pennsylvania Judicial 3/9 Not Practical None
Rhode Island Both 2/3 Possible and
Practical
None
South Carolina Judicial 6/6 Not Practical None
Tennessee Non-Judicial 2/2 Possible and
Practical
None
Texas Non-Judicial 2/2 Possible and
Practical
None
Utah Both 4/5 Possible and
Practical
None
Vermont Both 7/10 Possible and
Practical
None
Virginia Non-Judicial 2/2 Possible and
Practical
None
Washington Non-Judicial 4/5 Not Practical None
West Virginia Non-Judicial 2/2 Possible and
Practical
None
Wisconsin Judicial varies/10 Not Practical None
Wyoming Non-Judicial 2/3 Possible and
Practical
3 Months
 

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