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