Foreclosure Timelines by State: Laws, Process, & Redemption Periods

Foreclosure Timelines by State: Laws, Process, & Redemption Periods

Foreclosure, a term that has unfortunately become more common than we would like, is the legal process that lenders initiate when a homeowner defaults on their mortgage payments. The procedures involved, as well as the duration, can vary significantly depending on which state the property is located in. This is largely due to the fact that different states either use mortgages or deeds of trust in their real estate transactions. And depending on which one is used, the foreclosure may be conducted either judicially (through the courts) or non-judicially.

If you are facing foreclosure, you may be interested in learning more about the foreclosure process and what your options are. However, as explained, the foreclosure process, laws, and timeline vary from state to state. 

The table below outlines the estimated foreclosure timelines for each state, including the process period, publish sale, and redemption period on a state-by-state basis.

Get in touch with a local New Again Houses cash home buyer and learn more about avoiding foreclosure in your state.

Foreclosure Timelines by State

StateProcess Period (in daysPublish Sale (in days)Redemption Period (in days)
Alabama49-7421365
Alaska10565365
Arizona90+4130-180
Arkansas7030365
California11721365
Colorado14560None
Connecticut62NACourt Decides
Delaware170-21060-90None
Florida135NANone
Georgia3732None
Hawaii22060None
Idaho15045365
Illinois300NA90
Indiana261120None
Iowa1603020
Kansas13021365
Kentucky147NA365
Louisiana180NANone
Maine2403090
Maryland4630Court Decides
Massachusetts7541None
Michigan603030-365
Minnesota90-1007180
Mississippi9030None
Missouri6010365
Montana15050None
Nebraska142NANone
Nevada11680None
New Hampshire5924None
New Jersey270NA10
New Mexico180NA30-270
New York445NANone
North Carolina11025None
North Dakota150NA180-365
Ohio217NANone
Oklahoma186NANone
Oregon15030180
Pennsylvania270NANone
Rhode Island6221None
South Carolina150NANone
South Dakota1502330-365
Tennessee40-4520-25730
Texas27NANone
Utah142NACourt Decides
Vermont95NA180-365
Virginia4514-28None
Washington13590None
Washington D.C.4718None
West Virginia60-9030-60None
Wisconsin290NA365
Wyoming602590-365

This data is based on our current knowledge of the foreclosure laws and timelines and is not necessarily set in stone. To confirm this data, we recommend consulting your local county government. Data source: RealtyTrac. 

Which state has the quickest foreclosure process?

The state with the quickest foreclosure process is Montana, followed by Mississippi, West Virginia, Wyoming, and Minnesota. 

Which state has the longest foreclosure process?

The state with the longest foreclosure process is Hawaii, followed by Louisiana, Kentucky, Nevada, and Connecticut.

How many months behind before you go into foreclosure?

Your bank may begin the pre-foreclosure process when you are 90 days (or 3 months) behind on your mortgage payments. You still own the property, but unless you work out an agreement with your lender or sell the house before it’s auctioned off, you will lose your home to foreclosure.

How do I not lose my house to foreclosure?

When you are in pre-foreclosure, you have a few routes you can take to prevent losing your home. These include making up missed payments, asking for loan modification, obtaining a deed in lieu of foreclosure, or selling your home in a short sale.

How do I stop the bank from taking my house?

If you are facing foreclosure and you can’t afford to keep your home, you can sell your home during the pre-foreclosure process and stop the bank from taking your house. At New Again Houses, we can make you a fair offer, close quickly, and help you avoid foreclosure.

Stop Foreclosure on Your Home with New Again Houses

At New Again Houses, we buy, remodel, and sell homes for property owners who are facing foreclosure. We’ve been in the business of helping local homeowners sell their homes since 2008. Based in Bristol, TN, and serving homeowners nationwide, the New Again Houses team would love the opportunity to both prevent foreclosure on your home and invest in the local community.

Are you ready to sell your house, get a cash offer, close in a matter of days, and avoid foreclosure? Call 423.389.8005 today to get started.