Judicial & Non-Judicial Foreclosure Timelines
Please keep in mind that foreclosure timelines can slightly differ from state to state. If you are facing foreclosure, it is important that you consult an experienced mortgage Professional in your state. The foreclosure timelines below are meant to give a general idea of how judicial and non-judicial foreclosure proceedings span out.
Non-Judicial Foreclosure Timeline |
|
| Ninety days or more of missed payments | Your mortgage lender starts the foreclosure process. |
| Day 1 | Next a Notice of Default is filed with either the county clerk or recorder in your jurisdiction. |
| Within 1 Month | Foreclosure notices are now mailed out to everyone who has stake in the property. This includes: Individuals on the note, lien holders, etc... |
| Within 3 Months of Recording the Notice of Default | A Notice of Sale is made and sent out to be published |
| Within 25 Days of the Published Sale Date | The Notice of Sale is now sent to the IRS |
| Within 20 days of the Published Sale Date | At this point, a Notice of Sale is posted on the foreclosed property, printed in the newspaper for 3 weeks, and re-mailed to individuals who showed interest in the property. |
| 5 days Prior to the Published Sale Date. | At this point the homeowner no longer has the right to reinstate the loan by bringing their payments current.. |
| Date of Sale | The property is now sold in a foreclosure auction to the highest bidder. |
Judicial Foreclosure Timeline |
|
| Ninety Days or More of Missed Payments | Your mortgage lender now starts the foreclosure process. |
| Day 1 | Lender files a Lis Pendens against the homeowner with the county clerk or recorder. A summons and complaint are sent to all parties on the loan and legal proceedings have begun. |
| 20 Days From Receipt of Summons & Complaint. | The borrowers on the mortgage need to send a response to the summons and complaint. If a response is not sent, the homeowner risks having a default judgment entered against them. |
| Within 1-3 Months of Receiving All Legal Documents from The Parties. |
Next the court will set a hearing date where the homeowner has the chance to state why foreclosure should be delayed or dismissed. |
| Date of the Foreclosure Hearing. | During the foreclosure hearing both parties will present their case and evidence. If the judge rules against the homeowner, a sale date is set for a foreclosure auction. |
| Within 30 days of the Foreclosure Hearing. | In most judicial states the homeowner has the right to appeal their foreclosure judgment. The process can be expensive and time consuming though. |
| Date of Sale Set by the Court. | The date of sale for most foreclosures occurs approximately 30 days after the hearing. |
| Date of Sale | The foreclosed property is sold in a foreclosure auction to the highest bidder... |
Read our Judicial Foreclosure & Non-Judicial Foreclosure Article for more information about the foreclosure proccess in Judicial & Non Judicial States.
State-by-State Foreclosure Timelines
The information below is meant to give you a general idea of how long the foreclosure proccess is in your state.
Alabama
Security Instrument: Mortgage / Trust Deed Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: Between 30 and 60 days Redemption Period: Yes - 12 Months Deficiency: Yes
Arizona
Security Instrument: Mortgage / Trust Deed Judicial: Varies
Non-Judicial: Yes
Initial Public Notice: Notice of Sale
Time Frame: 90 days
Redemption Period: No
Deficiency: Dependant on individual situation
California
Security Instrument: Trust Deed
Judicial: Varies
Non-Judicial: Yes
Initial Public Notice: Notice of Default Time Frame: 111 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Connecticut
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: Between 30 and 150 days
Redemption Period: Dependant on individual situation
Deficiency: Yes
Florida
Security Instrument: Mortgage Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 180 days
Redemption Period: No
Deficiency: Yes
Hawaii
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: Between 160 and 195 days
Redemption Period: No
Deficiency: Yes
Illinois
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 210 days
Redemption Period: 1 to 3 Months
Deficiency: Dependant on individual situation
Iowa
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Notice of Default
Time Frame: 160 days
Redemption Period: No
Deficiency: No
Kentucky
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 147 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Maine
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: Between 90 and 365 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Massachusetts
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: 1 to 3 Months
Deficiency: No
Minnesota
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Missouri
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: 1 to 3 Months
Deficiency: No
Nebraska
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 180 days
Redemption Period: No
Deficiency: No
New Hampshire
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Sale
Time Frame: 60 days
Redemption Period: No
Deficiency: Yes
New Mexico
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 120 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
North Carolina
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice Of Hearing
Time Frame: 60 days
Redemption Period: 1 to 3 Months
Deficiency: Dependant on individual situation
Ohio
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 150 days
Redemption Period: No
Deficiency: 1 to 3 Months
Oregon
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: Between 120 and 180 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Rhode Island
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: No
Deficiency: Yes
South Dakota
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: 1 to 3 Months
Deficiency: Dependant on individual situation
Texas
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: No
Deficiency: Yes
Vermont
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 210 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Washington
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: TBD based on individual situations
Redemption Period: Dependant on individual situation
Deficiency: Yes
West Virginia
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: None
Deficiency: No
Wyoming
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 90 days
Redemption Period: 3 Months
Deficiency: Yes
Alaska
Security Instrument: Mortgage / Trust Deed Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default Time Frame: 90 days
Redemption Period: No
Deficiency: Dependant on individual situation
Arkansas
Security Instrument: Mortgage / Trust Deed Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 120 days
Redemption Period: No
Deficiency: Yes
Colorado
Security Instrument: Mortgage / Trust Deed Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 60 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Delaware
Security Instrument: Mortgage Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint Time Frame: 90 days
Redemption Period: No
Deficiency: No
Georgia
Security Instrument: Mortgage / Trust Deed Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 90 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Idaho
Security Instrument: Trust Deed
Judicial: No
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 150 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Indiana
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 150 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Kansas
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 120 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Louisiana
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Notice of Default
Time Frame: 60 days
Redemption Period: No
Deficiency: Yes
Maryland
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 90 days
Redemption Period: No
Deficiency: Yes
Michigan
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: 1 to 3 Months
Deficiency: Dependant on individual situation
Mississippi
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: No
Deficiency: No
Montana
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 150 days
Redemption Period: No
Deficiency: Dependant on individual situation
Nevada
Security Instrument: Mortgage / Trust Deed
Judicial: Varies
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: Between 60 and 120 days
Redemption Period: Dependant on individual situation
Deficiency: Yes
New Jersey
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: Between 90 and 120 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
New York
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: Between 365 and 570 days
Redemption Period: No
Deficiency: Yes
North Dakota
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Oklahoma
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: No
Deficiency: Yes
Pennsylvania
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: No
Deficiency: Yes
South Carolina
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: TBD based on individual situations
Redemption Period: No
Deficiency: Yes
Tennessee
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: 1 to 3 Months
Deficiency: Yes
Utah
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: TBD based on individual situations
Redemption Period: 1 to 3 Months
Deficiency: Yes
Virginia
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: Dependant on individual situation
Deficiency: Yes
Washington D.C.
Security Instrument: Trust Deed
Judicial: No
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 60 days
Redemption Period: None
Deficiency: Yes
Wisconsin
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: TBD based on individual situations
Redemption Period: 1 to 3 Months
Deficiency: Yes
