FDP MODULE 6 State Foreclosure Laws and Timelines

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 Judgment 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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State Law Reference
* D.C. Code Ann. § 42-815
** LA. Code Civ. Proc. Ann. Arts. 3721 to 3753, 2631 to 2772
*** W. Va. Code § 38-1-3 to 38-1-1

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