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This is a general guide only, laws change and you need to check your state statutes for accurate, up to date procedures. Foreclosure type will most often be either judicial or non-judicial, if you have a specific question about a state process, you can ask it on the discussion board. Months to foreclose include the legal minimum required and the probable time length once foreclosure has begun. Deficiency judgments are available in some states if the lender loses money through the foreclosure process, if it is not practical for the lender to enforce a judgment, it will be listed. Homeowner redemption after foreclosure is possible in some states, the time periods are listed where available. Please note that state laws are subject to change.

STATE

TYPE OF FORECLOSURE

MONTHS TO FORECLOSE
MINIMUM/EXPECTED

DEFICIENCY JUDGMENT

REDEMPTION PERIOD

Alabama

Primarily Non-Judicial

1/3

Possible and Practical

12 Months

Alaska

Both

3/4

Not Practical

None

Arizona

Both

3/4

Not Practical

None

Arkansas

Both

4/5

Possible and Practical

None

California

Primarily Non-Judicial

4/4

Not Practical

None

Colorado

Both

2/5

Possible and Practical

75 Days

Connecticut

Judicial/Strict

5/6

Possible and Practical

None

Delaware

Judicial

3/7

Possible and Practical

None

District of Columbia

Non-Judicial

2/4

Possible and Practical

None

Florida

Judicial

5/5

Possible and Practical

None

Georgia

Primarily Non-Judicial

2/2

Possible and Practical

None

Hawaii

Primarily Non-Judicial

3/4

Not Practical

None

Idaho

Non-Judicial

5/6

Possible and Practical

None

Illinois

Judicial

7/10

Possible and Practical

None

Indiana

Judicial

5/7

Possible and Practical

3 Months

Iowa

Both

5/6

Not Practical

6 Months, if judicial

Kansas

Judicial

4/4

Possible and Practical

6-12 Months

Kentucky

Judicial

6/5

Possible and Practical

None

Louisiana

Judicial

2/6

Possible and Practical

None

Maine

Primarily Judicial

6/10

Possible and Practical

None

Maryland

Judicial

2/2

Possible and Practical

None

Massachusetts

Non-Judicial

3/4

Possible and Practical

None

Michigan

Both

2/2

Possible and Practical

6 Months

Minnesota

Both

2/3

Not Practical

6 Months

Mississippi

Primarily Non-Judicial

2/3

Possible and Practical

None

Missouri

Primarily Non-Judicial

2/2

Possible and Practical

None

Montana

Primarily Non-Judicial

5/5

Not Practical

None

Nebraska

Judicial

5/6

Possible and Practical

None

Nevada

Primarily Non-Judicial

4/4

Possible and Practical

None

New Hampshire

Primarily Non-Judicial

2/3

Possible and Practical

None

New Jersey

Judicial

3/10

Possible and Practical

10 Days

New Mexico

Judicial

4/6

Possible and Practical

None

New York

Judicial

4/8

Possible and Practical

None

North Carolina

Non-Judicial

2/4

Possible and Practical

None

North Dakota

Judicial

3/5

Not Possible

60 Days

Ohio

Judicial

5/7

Possible and Practical

None

Oklahoma

Primarily Judicial

4/7

Possible and Practical

None

Oregon

Non-Judicial

5/5

Not Practical

None

Pennsylvania

Judicial

3/9

Not Practical

None

Rhode Island

Both

2/3

Possible and Practical

None

South Carolina

Judicial

6/6

Not Practical

None

Tennessee

Non-Judicial

2/2

Possible and Practical

None

Texas

Non-Judicial

2/2

Possible and Practical

None

Utah

Both

4/5

Possible and Practical

None

Vermont

Both

7/10

Possible and Practical

None

Virginia

Non-Judicial

2/2

Possible and Practical

None

Washington

Non-Judicial

4/5

Not Practical

None

West Virginia

Non-Judicial

2/2

Possible and Practical

None

Wisconsin

Judicial

varies/10

Not Practical

None

Wyoming

Non-Judicial

2/3

Possible and Practical

3 Months

   


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