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