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+
