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 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 |
|
