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
|