U.S. FORECLOSURE LAWS BY STATE:
THE FORECLOSURE 99PROCESS VARIES SOMEWHAT FROM STATE TO STATE AND DEPENDS PRIMARILY ON WHETHER THE STATE USES MORTGAGES OR DEEDS OF TRUST FOR THE PURCHASE OF REAL PROPERTY. GENERALLY, STATES THAT USE MORTGAGES CONDUCT
JUDICIAL FORECLOSURES; STATES THAT USE DEEDS OF TRUST CON99DUCT NON-JUDICIAL
FORECLOSURES. THE PRINCIPAL DIFFERENCE BETWEEN THE TWO IS THAT THE JUDICIAL 99999
PROCEDURE REQUIRES COURT ACTION ON A FORECLOSED HOME.
The below table represents our current knowledge of which states use mortgages (judicial) or deeds of trust (non-judicial) or both. The table also includes estimated foreclosure timelines for each state. Please check with your local county government to verify this information. Compare all state foreclosure timelines on this simple one-page chart and click on any state name to read about detailed foreclosure procedures for that state. State Judicial Non-Judicial Comment Process Period** Publish Sale** Redemption Period** Sale/NTS Alabama • • Judicial rarely 49-74 21 365 Trustee Alaska • • Judicial rarely 105 65 365* Trustee Arizona • • Judicial rarely 90+ 41 30-180* Trustee Arkansas • • Both 70 30 365* Trustee California • • Judicial rarely 117 21 365* Trustee Colorado • • Judicial rarely 145 60 None Trustee Connecticut • Judicial only 62 NA Court Decides Court Delaware • Judicial only 170-210 60-90 None Sheriff Florida • Judicial only 135 NA None Court Georgia • • Judicial rarely 37 32 None Trustee Hawaii • • Both 220 60 None Trustee Idaho • • Trustee Sale 150 45 365 Trustee Illinois • Judicial only 300 NA 90 Court Indiana • Judicial only 261 120 None Sheriff Iowa • • Trustee Sale Voluntary 160 30 20 Sheriff Kansas • Judicial only 130 21 365 Sheriff Kentucky • Judicial only 147 NA 365 Court Louisiana • Judicial only 180 NA None Sheriff Maine • Judicial only 240 30 90 Court Maryland • Judicial only 46 30 Court Decides Court Massachusetts • Judicial only 75 41 None Court Michigan • Non-Judicial only 60 30 30-365 Sheriff Minnesota • • Non-Judicial mostly 90-100 7 180 Sheriff Mississippi • • Non-Judicial mostly 90 30 None Trustee Missouri • • Non-Judicial mostly 60 10 365 Trustee Montana • • Trustee Sale mostly 150 50 None Trustee Nebraska • Judicial only 142 NA None Sheriff Nevada • • Trustee Sale mostly 116 80 None Trustee New Hampshire • Non-Judicial only 59 24 None Trustee New Jersey • Judicial only 270 NA 10 Sheriff New Mexico • Judicial only 180 NA 30-270 Court New York • Judicial only 445 NA None Court North Carolina • • Non-Judicial mostly 110 25 None Sheriff North Dakota • Judicial only 150 NA 180-365 Sheriff Ohio • Judicial only 217 NA None Sheriff Oklahoma • • Judicial mostly 186 NA None Sheriff Oregon • • Trustee Sale mostly 150 30 180 Trustee Pennsylvania • Judicial only 270 NA None Sheriff Rhode Island • • Non-judicial mostly 62 21 None Trustee South Carolina • Judicial only 150 NA None Court South Dakota • • Judicial mostly 150 23 30-365 Sheriff Tennessee • Non-judicial only 40-45 20-25 730 Trustee Texas • • Non-Judicial mostly 27 NA None Trustee Utah • Non-Judicial Only 142 NA Court Decides Trustee Vermont • Judicial only 95 NA 180-365 Court Virginia • • Trustee Sale mostly 45 14-28 None Trustee Washington • • Trustee Sale mostly 135 90 None Trustee Washington D.C. • Trustee Sale only 47 18 None Trustee West Virginia • Trustee Sale only 60-90 30-60 None Trustee Wisconsin • • Judicial mostly 290 NA 365 Sheriff Wyoming • • Non-judicial mostly 60 25 90-365 Sheriff
* Judicial Foreclosures Only ** In days+