foreclosure laws by state

Learn the foreclosure laws in your state to get better deals when buying foreclosures.

Foreclosure Laws by State      

united states foreclosure law summary

Below is a table of the basic foreclosure laws in each state for quick reference. Click on a state or use the dropdown box above to view the foreclosure laws for a specific state. Visit our Foreclosure Glossary for terms and abbreviations used in foreclosure laws, rules, and regulations.

State Security
Instrument
Foreclosure
Type
Initial Step Months Redemption Deficiency
Alabama Mortgage Nonjudicial Publication 1 12 MM Allowed
Alaska Trust Deed Nonjudicial Notice of Default 3 None Allowed
Arizona Trust Deed Nonjudicial Notice of Sale 3 None Allowed
Arkansas Mortgage Judicial Complaint 4 None Allowed
California Trust Deed Nonjudicial Notice of Default 4 None Prohibited
Colorado Trust Deed Nonjudicial Notice of Default 2 75 DD Allowed
Connecticut Mortgage Strict Complaint 5 None Allowed
Delaware Mortgage Judicial Complaint 3 None Allowed
Dist. of Col. Trust Deed Nonjudicial Notice of Default 2 None Allowed
Florida Mortgage Judicial Complaint 5 None Allowed
Georgia Security Deed Nonjudicial Publication 2 None Allowed
Hawaii Mortgage Nonjudicial Publication 3 None Allowed
Idaho Trust Deed Nonjudicial Notice of Default 5 None Allowed
Illinois Mortgage Judicial Complaint 7 None Allowed
Indiana Mortgage Judicial Complaint 5 3 MM Allowed
Iowa Mortgage Judicial Petition 5 6 MM Allowed
Kansas Mortgage Judicial Complaint 4 6-12 MM Allowed
Kentucky Mortgage Judicial Complaint 6 None Allowed
Louisiana Mortgage Exec.Process Petition 2 None Allowed
Maine Mortgage Judicial Complaint 6 None Allowed
Maryland Trust Deed Nonjudicial Notice 2 None Allowed
Massachusetts Mortgage Judicial Complaint 3 None Allowed
Michigan Mortgage Nonjudicial Publication 2 6 MM Allowed
Minnesota Mortgage Nonjudicial Publication 2 6 MM Prohibited
Mississippi Trust Deed Nonjudicial Publication 2 None Prohibited
Missouri Trust Deed Nonjudicial Publication 2 None Allowed
Montana Trust Deed Nonjudicial Notice 5 None Prohibited
Nebraska Mortgage Judicial Petition 5 None Allowed
Nevada Trust Deed Nonjudicial Notice of Default 4 None Allowed
New Hampshire Mortgage Nonjudicial Notice of Sale 2 None Allowed
New Jersey Mortgage Judicial Complaint 3 10 DD Allowed
New Mexico Mortgage Judicial Complaint 4 None Allowed
New York Mortgage Judicial Complaint 4 None Allowed
North Carolina Trust Deed Nonjudicial Notice Hearing 2 None Allowed
North Dakota Mortgage Judicial Complaint 3 60 DD Prohibited
Ohio Mortgage Judicial Complaint 5 None Allowed
Oklahoma Mortgage Judicial Complaint 4 None Allowed
Oregon N/A Nonjudicial Complaint 3 3 MM Allowed
Pennsylvania Mortgage Judicial Complaint 3 None Allowed
Rhode Island Mortgage Nonjudicial Publication 2 None Allowed
South Carolina Mortgage Judicial Complaint 6 None Allowed
South Dakota Mortgage Judicial Complaint 3 180 DD Allowed
Tennessee Trust Deed Nonjudicial Publication 2 None Allowed
Texas Trust Deed Nonjudicial Publication 2 None Allowed
Utah Trust Deed Nonjudicial Notice of Default 4 None Allowed
Vermont Mortgage Judicial Complaint 7 None Allowed
Virginia Trust Deed Nonjudicial Publication 2 None Allowed
Washington Trust Deed Nonjudicial Notice of Default 4 None Allowed
West Virginia Trust Deed Nonjudicial Publication 2 None Prohibited
Wisconsin Mortgage Judicial Complaint Varies None Allowed
Wyoming Mortgage Nonjudicial Publication 2 3 MM Allowed

Note: Laws change constantly. Check with your local law library for the most up-to-date information regarding foreclosure procedures in your area.

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