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 |
|