U.S. FORECLOSURE LAWS BY STATE

U.S. FORECLOSURE LAWS BY STATE:

THE FORECLOSURE 99PROCESS VARIES SOMEWHAT FROM STATE TO STATE AND DEPENDS PRIMARILY ON WHETHER THE STATE USES MORTGAGES OR DEEDS OF TRUST FOR THE PURCHASE OF REAL PROPERTY.   GENERALLY, STATES THAT USE MORTGAGES CONDUCT

 JUDICIAL FORECLOSURES; STATES THAT USE DEEDS OF TRUST CON99DUCT NON-JUDICIAL

 FORECLOSURES. THE PRINCIPAL DIFFERENCE BETWEEN THE TWO IS THAT THE JUDICIAL 99999

PROCEDURE REQUIRES COURT ACTION ON A FORECLOSED HOME.

The below table represents our current knowledge of which states use mortgages (judicial) or deeds of trust (non-judicial) or both. The table also includes estimated foreclosure timelines for each state. Please check with your local county government to verify this information. 

Compare all state foreclosure timelines on this simple one-page chart and click on any state name to read about detailed foreclosure procedures for that state.

State         Judicial Non-Judicial Comment Process Period** Publish Sale** Redemption Period** Sale/NTS

Alabama •                        • Judicial rarely      49-74                21                            365                              Trustee

Alaska • • Judicial rarely 105 65 365* Trustee

Arizona • • Judicial rarely 90+ 41 30-180* Trustee

Arkansas • • Both                         70 30 365* Trustee

California • • Judicial rarely 117 21 365* Trustee

Colorado • • Judicial rarely 145 60 None Trustee

Connecticut •   Judicial only 62 NA Court Decides Court

Delaware •   Judicial only 170-210 60-90 None Sheriff

Florida •   Judicial only 135 NA None Court

Georgia • • Judicial rarely 37 32 None Trustee

Hawaii • • Both 220 60 None Trustee

Idaho • • Trustee Sale 150 45 365 Trustee

Illinois •   Judicial only 300 NA 90 Court

Indiana •   Judicial only 261 120 None Sheriff

Iowa • • Trustee Sale Voluntary 160 30 20 Sheriff

Kansas •   Judicial only 130 21 365 Sheriff

Kentucky •   Judicial only 147 NA 365 Court

Louisiana •   Judicial only 180 NA None Sheriff

Maine •   Judicial only 240 30 90 Court

Maryland •   Judicial only 46 30 Court Decides Court

Massachusetts •   Judicial only 75 41 None Court

Michigan   • Non-Judicial only 60 30 30-365 Sheriff

Minnesota • • Non-Judicial mostly 90-100 7 180 Sheriff

Mississippi • • Non-Judicial mostly 90 30 None Trustee

Missouri • • Non-Judicial mostly 60 10 365 Trustee

Montana • • Trustee Sale mostly 150 50 None Trustee

Nebraska •   Judicial only 142 NA None Sheriff

Nevada • • Trustee Sale mostly 116 80 None Trustee

New Hampshire   • Non-Judicial only 59 24 None Trustee

New Jersey •   Judicial only 270 NA 10 Sheriff

New Mexico •   Judicial only 180 NA 30-270 Court

New York •   Judicial only 445 NA None Court

North Carolina • • Non-Judicial mostly 110 25 None Sheriff

North Dakota •   Judicial only 150 NA 180-365 Sheriff

Ohio •   Judicial only 217 NA None Sheriff

Oklahoma • • Judicial mostly 186 NA None Sheriff

Oregon • • Trustee Sale mostly 150 30 180 Trustee

Pennsylvania •   Judicial only 270 NA None Sheriff

Rhode Island • •  Non-judicial mostly 62 21 None Trustee

South Carolina •   Judicial only 150 NA None Court

South Dakota • • Judicial mostly 150 23 30-365 Sheriff

Tennessee   •  Non-judicial only 40-45 20-25 730 Trustee

Texas • •  Non-Judicial mostly 27 NA None Trustee

Utah   • Non-Judicial Only 142 NA Court Decides Trustee

Vermont •   Judicial only 95 NA 180-365 Court

Virginia • • Trustee Sale mostly 45 14-28 None Trustee

Washington • • Trustee Sale mostly 135 90 None Trustee

Washington D.C.   • Trustee Sale only 47 18 None Trustee

West Virginia   • Trustee Sale only 60-90 30-60 None Trustee

Wisconsin • • Judicial mostly 290 NA 365 Sheriff

Wyoming • • Non-judicial mostly 60 25 90-365 Sheriff

 

* Judicial Foreclosures Only

** In days+