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Foreclosure Basics - By State

*6/17/2011 - Currently updating chart. If state has entry in "Sale" column, it has been updated.

State

Security
Instrument

Foreclosure
Type

Initial
Step

# of
Months

Redemption

Deficiency

Sale

Alabama

Trust Deed,
Mortgage

Mainly
Nonjudicial

Publication

1-2

12 months

Allowed

Trustee

Alaska

Trust Deed,
Mortgage

Mainly
Nonjudicial

Notice of Default

3-4

None

Allowed
(Judicial only)

Trustee

Arizona

Trust Deed

Mainly
Nonjudicial

Notice of Sale

3-4

None

Varies

Trustee

Arkansas

Trust Deed

Mainly
Nonjudicial

Notice of Default

4-6

12 months
(Judicial only)

Allowed
(Judicial only)

Trustee

California

Trust Deed

Mainly
Nonjudicial

Notice of Default

4

12 Months
(Judicial only)

Allowed
(Judicial only)

Trustee

Colorado

Trust Deed

Mainly
Nonjudicial

Notice of Default

4-5

75 Days

Allowed

Public Trustee

Connecticut

Mortgage

Judicial
Only

Complaint

3

None

Allowed

Court

Delaware

Mortgage

Judicial
Only

Complaint

5-6

None

Allowed

Sheriff

Dist. of Col.

Trust Deed

Nonjudicial

Notice of Default

2

None

Allowed

Florida

Mortgage

Judicial

Complaint

5

None

Allowed

Georgia

Security Deed

Nonjudicial

Publication

2

None

Allowed

Hawaii

Mortgage

Nonjudicial

Publication

3

None

Allowed

Idaho

Trust Deed

Nonjudicial

Notice of Default

5

None

Allowed

Illinois

Mortgage

Judicial

Complaint

7

None

Allowed

Indiana

Mortgage

Judicial

Complaint

5

3 months

Allowed

Iowa

Mortgage

Judicial

Petition

5

6 months

Allowed

Kansas

Mortgage

Judicial

Complaint

4

6-12 months

Allowed

Kentucky

Mortgage

Judicial

Complaint

6

None

Allowed

Louisiana

Mortgage

Exec.Process

Petition

2

None

Allowed

Maine

Mortgage

Judicial

Complaint

6

None

Allowed

Maryland

Trust Deed

Nonjudicial

Notice

2

None

Allowed

Massachusetts

Mortgage

Judicial

Complaint

3

None

Allowed

Michigan

Mortgage

Nonjudicial

Publication

2

6 months

Allowed

Minnesota

Mortgage

Nonjudicial

Publication

2

6 months

Prohibited

Mississippi

Trust Deed

Nonjudicial

Publication

2

None

Prohibited

Missouri

Trust Deed

Nonjudicial

Publication

2

None

Allowed

Montana

Trust Deed

Nonjudicial

Notice

5

None

Prohibited

Nebraska

Mortgage

Judicial

Petition

5

None

Allowed

Nevada

Trust Deed

Nonjudicial

Notice of Default

4

None

Allowed

New Hampshire

Mortgage

Nonjudicial

Notice of Sale

2

None

Allowed

New Jersey

Mortgage

Judicial

Complaint

3

10 Days

Allowed

New Mexico

Mortgage

Judicial

Complaint

4

None

Allowed

New York

Mortgage

Judicial

Complaint

4

None

Allowed

North Carolina

Trust Deed

Nonjudicial

Notice Hearing

2

None

Allowed

North Dakota

Mortgage

Judicial

Complaint

3

60 days

Prohibited

Ohio

Mortgage

Judicial

Complaint

5

None

Allowed

Oklahoma

Mortgage

Judicial

Complaint

4

None

Allowed

Oregon

Trust Deed

Nonjudicial

Notice of Default

5

None

Allowed

Pennsylvania

Mortgage

Judicial

Complaint

3

None

Allowed

Rhode Island

Mortgage

Nonjudicial

Publication

2

None

Allowed

South Carolina

Mortgage

Judicial

Complaint

6

None

Allowed

South Dakota

Mortgage

Judicial

Complaint

3

180 days

Allowed

Tennessee

Trust Deed

Nonjudicial

Publication

2

None

Allowed

Texas

Trust Deed

Nonjudicial

Publication

2

None

Allowed

Utah

Trust Deed

Nonjudicial

Notice of Default

4

None

Allowed

Vermont

Mortgage

Judicial

Complaint

7

None

Allowed

Virginia

Trust Deed

Nonjudicial

Publication

2

None

Allowed

Washington

Trust Deed

Nonjudicial

Notice of Default

4

None

Allowed

West Virginia

Trust Deed

Nonjudicial

Publication

2

None

Prohibited

Wisconsin

Mortgage

Judicial

Complaint

Varies

None

Allowed

Wyoming

Mortgage

Nonjudicial

Publication

2

3 months

Allowed

Note: Laws change constantly. Check with your local law library for the most up-to-date information regarding foreclosure procedures in your area.

Information provided by this website is for informational purposes only and is not a substitute for professional advice. Please consult your investment advisor and/or attorney before entering into any transaction. Read our privacy policy.

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