All Foreclosure Information, Listings & Resources

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. Home-owner redemption after foreclosure is possible in some states, the time periods are listed where available. Please note that time-lines are based on legal requirements when foreclosure volume isn't overwhelming, actual foreclosure time-lines can be much longer.

STATE TYPE OF FORECLOSURE MONTHS TO FORECLOSE DEFICIENCY JUDGMENT REDEMPTION PERIOD
Alabama Primarily Non-Judicial 1 Minimum / 3 Expected Possible and Practical 12 Months
Alaska Both 3 Minimum / 4 Expected Not Practical None
Arizona Both 3 Minimum / 4 Expected Not Practical None
Arkansas Both 4 Minimum / 5 Expected Possible and Practical None
California Primarily Non-Judicial 4 Minimum / 4 Expected Not Practical None
Colorado Primarily Non-Judicial 2 Minimum / 5 Expected Possible and Practical None
Connecticut Judicial/Strict 5 Minimum / 6 Expected Possible and Practical None
Delaware Judicial 3 Minimum / 7 Expected Possible and Practical None
District of Columbia Non-Judicial 2 Minimum / 4 Expected Possible and Practical None
Florida Judicial 5 Minimum / 5 Expected Possible and Practical None
Georgia Primarily Non-Judicial 2 Minimum / 2 Expected Possible and Practical None
Hawaii Primarily Non-Judicial 3 Minimum / 4 Expected Not Practical None
Idaho Non-Judicial 5 Minimum / 6 Expected Possible and Practical None
Illinois Judicial 7 Minimum / 10 Expected Possible and Practical None
Indiana Judicial 5 Minimum / 7 Expected Possible and Practical 3 Months
Iowa Both 5 Minimum / 6 Expected Not Practical 6 Months,if judicial
Kansas Judicial 4 Minimum / 4 Expected Possible andPractical 6-12 Months
Kentucky Judicial 6 Minimum / 5 Expected Possible and Practical None
Louisiana Judicial 2 Minimum / 6 Expected Possible and Practical None
Maine Primarily Judicial 6 Minimum / 10 Expected Possible and Practical None
Maryland Judicial 2 Minimum / 2 Expected Possible and Practical None
Massachusetts Non-Judicial 3 Minimum / 4 Expected Possible and Practical None
Michigan Both 2 Minimum / 2 Expected Possible and Practical 6 Months
Minnesota Both 2 Minimum / 3 Expected Not Practical 6 Months
Mississippi Primarily Non-Judicial 2 Minimum / 3 Expected Possible and Practical None
Missouri Primarily Non-Judicial 2 Minimum / 2 Expected Possible and Practical None
Montana Primarily Non-Judicial 5 Minimum / 5 Expected Not Practical None
Nebraska Judicial 5 Minimum / 6 Expected Possible and Practical None
Nevada Primarily Non-Judicial 4 Minimum / 4 Expected Possible and Practical None
New Hampshire Primarily Non-Judicial 2 Minimum / 3 Expected Possible and Practical None
New Jersey Judicial 3 Minimum / 10 Expected Possible and Practical 10 Days
New Mexico Judicial 4 Minimum / 6 Expected Possible and Practical 1 - 9 Months
New York Judicial 4 Minimum / 8 Expected Possible and Practical None
North Carolina Non-Judicial 2 Minimum / 4 Expected Possible and Practical None
North Dakota Judicial 3 Minimum / 5 Expected Not Possible 60 Days
Ohio Judicial 5 Minimum / 7 Expected Possible and Practical None
Oklahoma Primarily Judicial 4 Minimum / 7 Expected Possible and Practical None
Oregon Non-Judicial 5 Minimum / 5 Expected Not Practical None
Pennsylvania Judicial 3 Minimum / 9 Expected Not Practical None
Rhode Island Both 2 Minimum / 3 Expected Possible and Practical None
South Carolina Judicial 6 Minimum / 6 Expected Not Practical None
Tennessee Non-Judicial 2 Minimum / 2 Expected Possible and Practical None
Texas Non-Judicial 2 Minimum / 2 Expected Possible and Practical None
Utah Both 4 Minimum / 5 Expected Possible and Practical None
Vermont Both 7 Minimum / 10 Expected Possible and Practical None
Virginia Non-Judicial 2 Minimum / 2 Expected Possible and Practical None
Washington Non-Judicial 4 Minimum / 5 Expected Not Practical None
West Virginia Non-Judicial 2 Minimum / 2 Expected Possible and Practical None
Wisconsin Judicial varies/ 10 Expected Not Practical None
Wyoming Non-Judicial 2 Minimum / 3 Expected Possible and Practical 3 Months