United States Foreclosure Law

other judicial non judicial other
min code max code min code max code
STATE state code Notice of Default? 0=no, 1= yes, -1=customary 0=no, 1=yes time frame min max redemption? 0=no, 1=yes redemption period total time frame min NA=-1, <90=1, <180=2, <365=3 <730=4, <1095=5, <999999=6, =unlimited=7 total time frame max NA=-1, <90=1, <180=2, <365=3 <730=4, <1095=5, <999999=6, =unlimited=7 time frame min max redemption? 0=no, 1=yes redemption period reinstatement? 0=no 1=yes reinstatement period total time frame min NA=-1, <90=1, <180=2, <365=3 <730=4, <1095=5, <999999=6, =unlimited=7 total time frame max NA=-1, <90=1, <180=2, <365=3 <730=4, <1095=5, <999999=6, =unlimited=7 friendly foreclosure? 0=no, 1=yes, -1=not stated 3rd party appraisal? 0=no, 1=yes 3rd party appraisal? 0=no, 1=yes, -1=recommended nonjudicial=0, judicial=1, sometimes required as judicial=-1 nonjudicial=0, ever judicial=1
Alabama 1 no, but customary -1 0 4-6m uncontested 120 999999 1 365 485 4 999999 7 30 d 30 30 1 365 0 0 395 4 395 4 0 0 -1 0 0
Alaska 2 yes for non jud. 1 1 6-8m 180 420 1 365 545 4 965 5 90 d waiting period before sale 90 90 0 0 0 0 90 1 90 1 0 0 0 0 0
Arizona 4 no, but "sound practice" -1 0 4-5m normal 120 540 1 30 150 2 690 4 90 d waiting period before sale 90 90 0 0 1 until sale 90 1 90 1 0 0 0 0 0
Arkansas 5 yes in nonjud 1 1 50d min 50 999999 1 365 415 4 999999 7 60d 60 60 0 0 1 prior to sale 60 1 60 1 1 1 1 0 0
California 6 non jud yes 1 1 3m to several yrs 90 1825 1 360 450 4 2275 6 min 3m 90 999999 0 0 1 less than 5 business days before sale 90 1 999999 7 0 0 0 0 0
Colorado 8 yes 1 1 6m min if contested, 3m if not 90 999999 1 75 165 2 999999 7 45-165d 45 165 1 75 1 until sale 120 2 240 3 0 0 -1 -1 1
Connecticut 9 yes, 60 day notice 1 1 approximate 100d 100 100 0 0 100 2 200 3 -1 -1 -1 -1 -1 1 1 1 1
Delaware 10 no 0 0 3-4m uncontested 90 999999 0 0 90 1 999999 7 -1 -1 -1 -1 -1 0 0 1 1
Washington DC 11 no but highly recommended -1 0 -1 -1 -1 -1 40d 40 40 0 0 0 0 40 1 40 1 -1 0 0 0 0
Florida 12 no 0 0 3-6m uncontested 90 999999 1 10 100 2 999999 7 -1 -1 -1 -1 0 0 0 1 1
Georgia 13 yes 1 1 1-3yrs 365 1095 0 0 365 3 1460 6 4wk publication prior to sale 28 28 0 0 0 0 28 1 28 1 0 0 -1 0 0
Hawaii 15 no, but highly recommended -1 0 5-6m to several years 150 999999 0 0 150 2 999999 7 min of 1m 30 999999 0 0 1 till fall of hammer 30 1 999999 7 1 0 -1 0 0
Idaho 16 no 0 0 60d + 60 999999 1 180 240 3 999999 7 125-140d 125 140 0 0 1 w/in 115d from date of notice of default recorded 125 2 140 2 0 0 0 0 0
Illinois 17 many do require notice 1 1 6-9m 180 270 1 90 270 3 540 4 -1 -1 -1 -1 1 0 0 1 1
Kansas 18 no, unless consumer loan -1 0 6m poss, 12-18m more likely 180 540 1 365 545 4 1085 5 -1 -1 -1 -1 0 0 0 1 1
Indiana 19 no 0 0 6m uncontested 180 999999 0 0 180 2 999999 7 -1 -1 -1 -1 -1 0 0 1 1
Iowa 20 not on real estate 0 0 12-18m 365 540 1 365 730 4 1270 6 60d 60 60 1 30 0 0 90 1 90 1 -1 0 -1 0 0
Kentucky 21 no 0 0 4-6m min 120 999999 1 365 485 4 999999 7 -1 -1 -1 -1 0 1 1 1 1
Louisiana 22 no, but customary -1 0 45- 90d or as long as it takes 45 999999 0 0 45 1 999999 7 -1 -1 -1 -1 1 1 1 1 1
Maine 23 no unless consumer credit transaction 0 0 6-9m 180 270 1 90 270 3 540 4 30-45d for power of sale + 60 days for a foreclosure by notice 90 105 1 365 0 0 455 4 470 4 0 0 -1 1 1
Maryland 24 no 0 0 60+40 to 65+60d 100 125 0 0 100 2 225 3 60+40 to 65+60d 100 125 0 0 0 0 100 2 125 2 0 0 0 -1 1
Massachusetts 25 yes 1 1 -1 -1 -1 -1 5-12 wks 35 84 0 0 0 0 35 1 84 1 0 0 -1 0 0
Michigan 26 yes 1 1 min 3 months 90 1 180 270 3 -1 -1 NA -1 -1 0 0 1 1
Minnesota 27 yes, 30 days 1 1 5m 150 150 1 180 330 3 480 4 30d+3m 120 120 1 180 0 0 300 3 300 3 1 0 0 0 0
Mississippi 28 no, but customary -1 0 -1 -1 -1 -1 6wks 42 42 0 0 1 prior to sale 42 1 42 1 0 0 -1
Missouri 29 no, unless 2nd mortgage loans -1 0 -1 -1 -1 -1 45-60d 45 60 1 365 0 0 410 4 425 4 0 0 0 0 0
Montana 30 no 0 0 3m min 90 999999 1 365 455 4 999999 7 4m min 120 999999 0 0 0 0 120 2 999999 7 -1 0 0 -1 1
Nebraska 31 no 0 0 4-6m w/out appeals, 2 yrs if appeals are made 120 730 0 0 120 2 850 5 3-4m 90 120 0 0 1 w/in 1 yr after filing of default 90 1 120 2 0 0 0 1 1
Nevada 32 yes 1 1 -1 -1 -1 -1 3m after notice of redemption 90 90 0 0 1 35 days 90 1 90 1 0 0 -1 0 0
New Hampshire 33 no 0 0 1y+?m min 365 999999 0 0 365 3 999999 7 25d prior to foreclosure +3w of publishing sale 46 46 0 0 0 0 46 1 46 1 0 0 -1 0 0
New Jersey 34 no, but customary -1 0 8-22m 240 660 1 180 420 4 1080 5 -1 -1 -1 -1 0 0 0 1 1
New Mexico 35 no 0 0 60-75d min, 90-120d more realistic 60 120 1 270 330 3 450 4 180d from date on which notice of sale if filed 180 180 0 0 1 before sale 180 2 180 2 0 0 -1 1 1
New York 36 no 0 0 12-18m uncontested 365 999999 0 0 365 3 999999 7 4-6m 120 180 0 0 0 0 120 2 180 2 0 0 0 0 0
North Caolina 37 no 0 0 90-100d to 2-3 yrs 90 1095 0 0 90 1 1185 6 30-40d w/ no complications 30 999999 1 10 0 0 40 1 999999 7 1 0 0 0 0
North Dakota 38 yes, 30 days 1 1 1-1.5m 30 45 1 180 210 3 255 3 -1 -1 -1 -1 -1 0 0 1 1
Ohio 39 no 0 0 6m min, 8-12m 180 365 1 30 210 3 575 4 -1 -1 -1 -1 -1 1 1 1 1
Oklahoma 40 no 0 0 90d-9m 90 270 0 0 90 1 360 3 75d-9m 75 270 0 0 0 0 75 1 270 3 0 1 1 1 1
Oregon 41 no 0 0 120d-1y 120 365 1 180 300 3 665 4 aprox. 150d 150 150 0 0 1 5 days before sale 150 2 150 2 0 0 0 0 0
Pennsylvania 42 no 0 0 3-4m or 3-4yr 90 1460 0 0 90 1 1550 6 -1 -1 -1 -1 1 0 0 1 1
Rhode Island 44 no 0 0 -1 -1 -1 -1 41d+21d 62 62 0 0 0 0 62 1 62 1 0 1 1 0 0
South Carolina 45 no 0 0 min100d+30d 130 999999 0 0 130 2 999999 7 -1 -1 -1 -1 0 0 0 1 1
South Dakota 46 no 0 0 75-90d uncontested 75 999999 1 180 255 3 999999 7 30-50d 30 50 1 180 1 prior to sale 210 3 230 3 1 0 0 0 0
Tennessee 47 no 0 0 -1 -1 -1 -1 21 days after 1st published ad 21 21 1 see 66-8-101 1 ?? #VALUE! #VALUE! #VALUE! #VALUE! 0 0 0 0 0
Texas 48 yes 1 1 2m-3yr (4y max) 60 1460 0 0 60 1 1520 6 1-3m 30 90 0 0 0 0 30 1 90 1 0 0 0 0 0
Utah 49 no 0 0 5-6m min 150 999999 1 180 330 3 999999 7 120d 120 120 0 0 1 90 days after recordation of notice 120 2 120 2 0 0 0 0 0
Vermont 50 yes 1 1 6m-1y 180 365 1 180 360 3 725 4 -1 -1 -1 -1 -1 0 -1 1 1
Virginia 51 no 0 0 -1 -1 -1 -1 4-8w 28 56 0 0 0 0 28 1 56 1 0 0 -1 0 0
Washington 53 yes, 30 days 1 1 6-12m 180 365 1 365 545 4 910 5 190d 190 190 0 0 1 up to 11 days before sale 190 3 190 3 0 0 0 0 0
West Virginia 54 NA -1 -1 -1 -1 no set time frame 0 999999 0 0 0 0 0 -1 999999 7 -1 0 0 0 0
Wisconsin 55 yes 1 1 6m-1y 180 365 1 180 360 3 725 4 -1 -1 -1 -1 0 0 -1 1 1
Wyoming 56 yes, 10 days 1 1 6-12m 180 365 1 90 270 3 635 4 6m or less 0 180 1 90 1 prior to sale 90 1 270 3 0 1 1 0 0
sum of no sum of no total sum of no total sum of NA sum of NA total sum of no sum of no total sum of NA sum of NA sum of no sum of no sum of no sum of nonjudicial sum of nonjudicial
24 33 6070 15 11825 10 10 2502 25 19 4141 16 15 32 43 29 27 27
sum of yes sum of yes total count sum of yes total count sum of <90 sum of <90 total count sum of yes sum of yes total count sum of <90 sum of <90 sum of yes sum of yes sum of yes sum of judicial sum of judicial
17 17 42 27 42 6 0 35 10 16 34 19 13 8 8 8 20 23
sum of customary average average sum of <180 sum of <180 average average sum of <180 sum of <180 sum of not stated sum of recommended sum of sometimes judicial
9 144.524 281.548 9 0 71.4857 121.794 8 7 11 14 3
sum of <365 sum of <365 sum of <365 sum of <365
17 4 3 6
sum of <730 sum of <730 sum of <730 sum of <730
10 10 3 3
sum<1095 sum<1095 sum<1095 sum<1095
0 5 0 0
sum of <unlimited sum of <unlimited sum of <unlimited sum of <unlimited
0 6 0 0
sum of unlimited sum of unlimited sum of unlimited sum of unlimited
0 16 0 5
United States Foreclosure Law

Last Updated on 8/5/98
Source: Keyles, Sidney A. (ed.). "Foreclosure Law and Related Remedies: A State By State Digest." Chicago
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