Foreclosure Laws of Individual States
We are providing information about s tate foreclosure laws . This information is designed to help you understand the process in each s tate. However, legal information is not legal advice. We are not giving legal advice. The laws of every s tate are different and frequently c hange. In necessary, s eek legal or professional advice according to your situation. We have elected to s ummarize each state’s laws . For a more in- depth analysis of Foreclos ure Laws of I ndividual States , please visit the website listed below eac h s ummary and search that state’s full text of the law. CA UTION: I nformation on the Internet for the most part is incorrect! Many sites that are publicizing Foreclosure L aws have incorrect information. We went through lengthy and timely researc h to bring you the most up- to- date and correc t information available. MORTGA GE A ND DEED OF TRUST STA TES Below you will find eac h state according to whether they are Mortgage, D eed of T rust or both. Mortgage States Alabama L ouisiana North D akota Arkans as Maine O hio Connec tic ut Massachusetts O regon Delaware Mic higan Pennsylvania Florida M innes ota Rhode Island Hawaii New H amps hire South Carolina Indiana New Jersey Vermont Kansas New M exico Wisconsin New Y ork Deed of Trust St at es
Alaska M ississippi North Carolina Arizona M issouri Virginia California Nevada Washington, DC
States that use both Deeds of Trust and Mort gages Colorado Montana Texas Idaho Nebraska U tah Illinois O klahoma Wyoming Iowa O regon Washington Maryland Tennessee G eorgia West Virginia Kentucky FORECLOSURE SUMMA RIES The following s ummaries give some information on individual state foreclosure laws . Timelines will vary depending on specific c irc umstances and each situation. T he timelines noted within are based on uncontested actions and assume no delays . T hey give the time for the sale, then the running totals for various procedures , until the end, when the longest time possible for the entire foreclos ure process ends . O ften, these times are longer than normal in that redemption
does n’t often occur. H owever, delays do – s o keep this in mind – every foreclos ure is a unique situation, timelines will vary from foreclos ure to foreclosure, and from s tate- to-state. All foreclos ures mus t be conducted under GSE guidelines . A labama Foreclosure Laws • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 49-73 days – sale held; 30 - 60 days if NO D is not required. • Right of Redemption: Yes (12 months) • Deficiency J udgments Allowed: Y es A laska Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 105-108 days – sale held; 108-111 deed rec orded • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es A rizona Forecl osure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 115 days (non- judicial) • Right of Redemption: No • Deficiency J udgments Allowed: Y es A rkansas Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes , mos t circumstances • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 90 days • Right of Redemption: Ends at sale • Deficiency J udgments Allowed: Y es Calif ornia Foreclosure Laws • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 120 days • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Colora do Fore closure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes (usual) • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 91 days – sale held; 166 redemption expires ; 173 deed rec orded • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Connecticut Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 90 days – default entered; 180 redemption expires
• Right of Redemption: Yes • Deficiency J udgments Allowed: Y es D.C. (Washington Di strict of Columbia) • J udicial Foreclosure Available: No • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t • Timeline: 47 days – sale held; 48 deed sent for recording; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Delaware Fore closure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 170-210 days – sale held; 200-300 confirmation of s ale; • Right of Redemption: No • Deficiency J udgments Allowed: N o Florida Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 135 days – sale held; 150 certificate of title issued; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Georgia Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes (usual) • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 37 days sale held; 48 deed sent for recording; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Hawaii Forecl osure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline (JF): 220 days – auction; 260 confirmation; 320 conveyance; • Timeline (NJ ): 160 days – auction; 195 conveyance; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Idaho Fore closure Laws • J udicial Foreclosure Available: No • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t • Timeline: 150 days – sale held; deed recorded • Right of Redemption: No • Deficiency J udgments Allowed: Y es Illinois Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 300 days – sale held; 345 redemption period expires ; deed recorded;
• Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Indiana Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 251 days – sale held; 266 redemption period expires ; deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Iowa Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 160 days – sale held; 180 redemption period expires ; deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: N o Kansas Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 130 days – sale held; 210 – 495 redemption period expires ; 230 – 515 file closed; • Right of Redemption: Yes (3 to 12 months) • Deficiency J udgments Allowed: Y es Kent ucky Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 147 days – sale held; 177 sale confirmation; 198 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Louisiana Foreclosure Laws • J udicial Foreclosure Available: Yes (Exec utory and O rdinary P rocess ) • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline (EP ): 180 days – sale held; 209 deed rec orded; • Timeline (O P): 240 days – sale held; 269 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Maine Foreclosure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 240 days – sale held; 270 deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Maryland Fore closure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 46 days – sale held;
• Right of Redemption: No • Deficiency J udgments Allowed: Y es Massa chusetts Foreclosure Laws • J udicial Foreclosure Available: No • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 75 days – sale held; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Michi gan Foreclosure Laws • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 60 days – sale held; 90 – 425 redemption expires , deed recorded; • Right of Redemption: Yes (6 months is common) • Deficiency J udgments Allowed: Y es Minne sota Foreclosure Laws • J udicial Foreclosure Available: No • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Mortgage • Timeline: 90 – 100 days – sale held; 270-280 redemption expires ; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Missi ssippi Fore closure Laws • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 90 days – sale held; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Missouri Forecl osure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 60 days – sale held; 61-65 deed recorded; • Right of Redemption: Yes ( rare and diffic ult) • Deficiency J udgments Allowed: Y es Mont ana Fore closure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 150 days – sale held; 153 deed recorded; 163 possession transferred; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Nebra ska Fore closure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Mortgage • Timeline (JF): 142 days – s ale held; 176 deed recorded; • Timeline (NJ ): 111 days – sale held; 121 deed recorded;
• Right of Redemption: J udicial 30 days ; Non- judicial – no; • Deficiency J udgments Allowed: Y es Nevada Fore closure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline (NJ ): 116 days – sale held; 118 trustee’s deed upon sale recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es New Ha mpshire Foreclosure • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 59 days – sale held; 75 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es New Jersey Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 270 days – sale held; 280 deed recorded; 290 • Right of Redemption: Yes (10 days ) • Deficiency J udgments Allowed: Y es New Mexico Forecl osure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Mortgage • Timeline: 180 days – sale held; 195 deed recorded; 225 redemption expires ; • Right of Redemption: Yes (30 days ) • Deficiency J udgments Allowed: Y es New York Fore closure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline (N ew York City): 445 days – sale held; • Timeline (O utside the City):335 days – sale held; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Nort h Ca roli na Foreclosure Law • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 110 days – sale held; 120 deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Nort h Dak ota Foreclosure Law • J udicial Foreclosure Available: Yes (usually) • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 150 days – entry of judgment to sale;
• Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Ohio Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 217 days – sale held; until redemption expires and deed is recorded depends on county; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Oklahoma Fore closure Law • J udicial Foreclosure Available: Yes (usually) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 156 days – sale held; 186 sale confirmed; 201 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Oregon Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes (usually) • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 150 days – sale held; 160 trustee’s deed recorded; • Right of Redemption: Rare • Deficiency J udgments Allowed: Y es Pennsylvania Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 270 days – sale held; 300 redemption expires and deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Rhode Isla nd Foreclosure Law • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 74 days – sale held; • Right of Redemption: No • Deficiency J udgments Allowed: Y es South Ca rolina Foreclosure • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstrument: Mortgage • Timeline: 150 days – sale complete; 180 redemption expires and deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es South Dakot a Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes (Rare) • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 150 days – sale held; 340 redemption expires and deed recorded;
• Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Tennessee Forecl osure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes (very rare) • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 40-45 days – sale held; 50-55 deed recorded • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Texas Forecl osure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Home E quity L oan • Timeline: 97 days – sale held; 102 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Utah Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstrument: D eed of T rust, Mortgage • Timeline: 138 days – sale held; 139 deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Vermont Forecl osure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 95 days – default judgment enters ; 275 redemption expires and deed recorded; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es http://vermont.gov/ Virginia Foreclosure Law • J udicial Foreclosure Available: Yes (rare) • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 45 days – sale held; 60 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Washington Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 135 days – sale held; 140-150 deed recorded • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Washington D.C. Foreclosure Law • J udicial Foreclosure Available: No • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t • Timeline: 47 days – sale held; 48 deed sent for recording;
• Right of Redemption: No • Deficiency J udgments Allowed: Y es West Virginia Foreclosure Law • J udicial Foreclosure Available: No • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 60-90 days – sale held; 120 deed recorded; • Right of Redemption: No • Deficiency J udgments Allowed: Y es Wisconsin Foreclosure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: No • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 290 days – sale held; 300 confirmation of sale; 305 deed recorded; 315 final title; • Right of Redemption: Yes • Deficiency J udgments Allowed: Y es Wyoming Forecl osure Law • J udicial Foreclosure Available: Yes • Non-J udicial Foreclosure Available: Yes • Primary Security I nstruments : Deed of T rus t, Mortgage • Timeline: 60 days – sale held; • Right of Redemption: Yes • Deficiency J udgments Allowed: N o