Below is an alphabetical list of the foreclosure timeline for each state. The foreclosure process in each state can vary dramatically and the changes to these timelines may be modified. If you are facing foreclosure and you are looking at how you can stop it then the best thing you can do is understand the time that you have and make a plan. The timeline will also depend on how hard you are willing to work.
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Arkansas
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 120 days
Redemption Period: No
Deficiency: Yes
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – — – - – - – - – - – - – - – - – - – - – - – -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Delaware
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: No
Deficiency: No
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Florida
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 180 days
Redemption Period: No
Deficiency: Yes
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Iowa
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Notice of Default
Time Frame: 160 days
Redemption Period: No
Deficiency: No
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Louisiana
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Notice of Default
Time Frame: 60 days
Redemption Period: No
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Mississippi
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: No
Deficiency: No
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Nebraska
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Notice of Default
Time Frame: 180 days
Redemption Period: No
Deficiency: No
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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 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 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 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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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 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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Oklahoma
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: No
Deficiency: Yes
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Pennsylvania
Security Instrument: Mortgage
Judicial: Yes
Non-Judicial: No
Initial Public Notice: Complaint
Time Frame: 90 days
Redemption Period: No
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 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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
Texas
Security Instrument: Mortgage / Trust Deed
Judicial: Yes
Non-Judicial: Yes
Initial Public Notice: Publication
Time Frame: 60 days
Redemption Period: No
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
- – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - – - -
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
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