Terms Defined:
- Redemption Period: The amount of time that a homeowner has to purchase (redeem) their property back after being sold at public auction.
- Judicial: A foreclosure that requires a court action. The lender must file a lawsuit against the borrower to obtain a court order to foreclose.
- Non-Judicial: This process of foreclosure can be used when a power of sale clause exists where the borrower has authorized the sale of the property in the event of their default. This type of foreclosure is done by advertisement.
- Deficiency Judgement: A personal judgment against the borrower for any remaining balance on the loan after a foreclosure sale.
| State | Time Frame (Days) | Redemption Period | Judicial | Non-Judicial | Sale/NTS | Security Instrument | Initial Public Notice | Deficiency Judgement |
|---|---|---|---|---|---|---|---|---|
| Alabama | 30-60 | Yes, 12 Months | Yes (Rare) | Yes | Trustee | Trust Deed / Mortgage | Publication | Allowed |
| Alaska | 90 | Yes, non-judicial foreclosure only | Yes | Yes | Trustee | Trust Deed / Mortgage | Notice of Default | Judicial foreclosure only |
| Arizona | 90 | No | Sometimes | Yes | Trustee | Trust Deed / Mortgage | Notice of Sale | Varies |
| Arkansas | 120 | Yes, judicial foreclosure only (ends at sale) | Yes | Yes | Trustee | Trust Deed / Mortgage | Complaint | Non-judicial foreclosure only |
| California | 111 or more | Yes, judicial foreclosure only | Sometimes | Yes | Trustee | Trust Deed | Notice of Default | Judicial foreclosure only |
| Colorado | 110-125 | None | Yes | Yes | Trustee | Trust Deed / Mortgage | Notice of Default | Yes |
| Connecticut | 60-150 | Court's discretion | Yes | No | Court | Mortgage | Complaint | Yes |
| Delaware | 90 | No | Yes | No | Sheriff | Mortgage | Complaint | No |
| District of Columbia | 60 | No | No | Yes | Trustee | Trust Deed | Notice of Default | Yes |
| Florida | 180 | Yes, brief and subject to court procedure | Yes | No | Court | Mortgage | Complaint | Yes |
| Georgia | 90 | Yes | Yes | Yes | Trustee | Security Deed / Mortgage | Publication | Yes |
| Hawaii | 160-195 | No | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | Yes |
| Idaho | 150 | Yes | No | Yes | Trustee | Trust Deed | Notice of Default | Yes |
| Illinois | 210 | Yes, limited | Yes | No | Court | Mortgage | Complaint | Varies |
| Indiana | 150 | Yes, 3 Months | Yes | No | Sheriff | Mortgage | Complaint | Yes |
| Iowa | 160 | No | Yes | No, but deed in lieu permitted | Sheriff | Mortgage | Petition | No |
| Kansas | 120 | Yes, 6-12 Months | Yes | No | Sheriff | Mortgage | Complaint | Yes |
| Kentucky | 147 | Yes | Yes | No | Court | Mortgage | Complaint | Yes, with restrictions |
| Louisiana | 60 | No | Yes | No | Sheriff | Mortgage | Petition | Yes |
| Maine | 90-365 (depends on mortgage date) | Yes | Yes | No | Court | Mortgage | Complaint | Yes |
| Maryland | 90 | No | Yes | Yes | Court | Trust Deed / Mortgage | Notice | Yes |
| Massachusetts | 90 | Yes, in foreclosure by possession | Yes | Yes | Court | Trust Deed / Mortgage | Complaint | No |
| Michigan | 60 | Yes, 6 Months (30 Days if abandoned) | Yes | Yes | Sheriff | Trust Deed / Mortgage | Publication | Varies, case by case |
| Minnesota | 60 | Yes, 6-12 Months (35 Days if abandoned/vacant) | Yes | Yes | Sheriff | Trust Deed / Mortgage | Publication | Yes |
| Mississippi | 60 | No | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | No |
| Missouri | 60 | Yes | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | No |
| Montana | 150 | No | Yes | Yes | Trustee | Trust Deed / Mortgage | Notice | Judicial foreclosure only |
| Nebraska | 180 | None, after confirmation of sale | Yes | Yes | Sheriff | Mortgage | Petition | No |
| Nevada | 60-120 | Yes, judicial foreclosure only | Sometimes | Yes | Trustee | Trust Deed / Mortgage | Notice of Default | Yes |
| New Hampshire | 60 | No | Yes | Yes | Trustee | Trust Deed / Mortgage | Notice of Sale | Yes |
| New Jersey | 90-120 Unless Contested | Yes, limited to 10 Days | Yes | No | Sheriff | Mortgage | Complaint | Yes, restricted |
| New Mexico | 120 | Yes | Yes | No, except commercial properties | Court | Mortgage | Complaint | Yes |
| New York | 365-570 | No | Yes | Yes, but almost never used | Court | Trust Deed / Mortgage | Complaint | Yes |
| North Carolina | 60 | Yes | Yes | Yes | Sheriff | Trust Deed / Mortgage | Notice Hearing | Varies case by case |
| North Dakota | 90 | Yes, 60 Days -12 Months | Yes | No | Sheriff | Mortgage | Complaint | Yes |
| Ohio | 150 | Yes | Yes | No | Sheriff | Mortgage | Complaint | Yes |
| Oklahoma | 90 | None, upon confirmation of sale | Yes | Yes | Sheriff | Trust Deed / Mortgage | Complaint | Yes, with time limitation on filing |
| Oregon | 120-180 | Yes, but only with judicial foreclosure | Yes | Yes | Trustee | Trust Deed / Mortgage | Notice of Default | Yes, but only with judicial foreclosure |
| Pennsylvania | 90 | No | Yes | No | Sheriff | Mortgage | Complaint | Yes |
| Rhode Island | 60 | Varies by process | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | Yes |
| South Carolina | Varies | No | Yes | No | Court | Mortgage | Complaint | Yes |
| South Dakota | 90 | Yes, but various time periods | Yes | Yes | Sheriff | Trust Deed / Mortgage | Complaint | Varies on case by case basis |
| Tennessee | 60 | Yes, non-judicial foreclosure | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | Yes |
| Texas | 60 | No | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | Yes |
| Utah | Varies | Yes | Yes | Yes | Trustee | Trust Deed / Mortgage | Notice of Default | Yes |
| Vermont | 210 | Yes | Yes, in strict foreclosure process | Yes | Court | Trust Deed / Mortgage | Complaint | Yes |
| Virginia | 60 | Varies | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | Yes |
| Washington | 190 | Available only in judicial foreclosure, and very rare | Yes, but not common in Washington | Yes | Trustee | Trust Deed / Mortgage | Notice of Default | Judicial foreclosure only |
| West Virginia | 60 | No | Yes | Yes | Trustee | Trust Deed / Mortgage | Publication | No |
| Wisconsin | 90-365 | Yes, if no court confirmation of sale | Yes | Yes | Sheriff | Trust Deed / Mortgage | Complaint | Yes, unless waived |
| Wyoming | 90 | Yes, 3 Months | Yes | Yes | Sheriff | Trust Deed / Mortgage | Publication | Yes |