State Foreclosure Laws and Timelines

Foreclosure is a legal process through which lenders reclaim properties from borrowers who can no longer afford to meet their monthly mortgage obligations. Home foreclosure laws and procedures vary from state-to-state. So depending on where you live — or where you're looking to buy — the foreclosure timeline can and often does change.

Below is a state foreclosure laws timeline that is designed to give you a comprehensive overview of the process throughout the United States. Click on any state name to drill down and learn more details about the foreclosure procedures in that state.

State	Foreclosure Listings	Judicial	Non-Judicial	Foreclosure Timeline	Redemption Period	Deficient Judgement	State Law Reference
Alabama	Alabama Foreclosures			1 - 3 Months	Up to 12 Months	Yes (Judicial)	Reference
Alaska	Alaska Foreclosures			3 - 4 Months	None	Yes (Judicial)	Reference
Arizona	Arizona Foreclosures			3 - 4 Months	Up to 6 Months	Yes (Judicial)	Reference
Arkansas	Arkansas Foreclosures			4 - 5 Months	Up to 12 Months	Yes	Reference
California	California Foreclosures			3 - 5 Months	Not Likely	Yes (Judicial)	Reference
Colorado	Colorado Foreclosures			2 - 5 Months	None	Yes	Reference
Connecticut	Connecticut Foreclosures			5 - 6 Months	Court Determined	Yes	Reference
Delaware	Delaware Foreclosures			3 - 7 Months	None	Yes	Reference
District of Columbia	District of Columbia Foreclosures			2 - 4 Months	None	Yes	Reference
Florida	Florida Foreclosures			4 - 6 Months	Yes	Yes	Reference
Georgia	Georgia Foreclosures			2 - 3 Months	None	Yes	Reference
Hawaii	Hawaii Foreclosures			3 - 4 Months	None	Yes	Reference
Idaho	Idaho Foreclosures			5 - 6 Months	None	Yes	Reference
Illinois	Illinois Foreclosures			7 - 10 Months	Yes 3 - 7 Months	Yes	Reference
Indiana	Indiana Foreclosures			5 - 7 Months	None	Yes	Reference
Iowa	Iowa Foreclosures			5 - 6 Months	12 Months	Yes	Reference
Kansas	Kansas Foreclosures			3 - 5 Months	Up to 12 Months	Yes	Reference
Kentucky	Kentucky Foreclosures			5 - 6 Months	Up to 12 Months	Yes	Reference
Louisiana	Louisiana Foreclosures			2 - 6 Months	None	Yes	Reference
Maine	Maine Foreclosures			6 - 10 Months	90 Days	Yes	Reference
Maryland	Maryland Foreclosures			2 - 3 Months	Court Determined	Yes	Reference
Massachusetts	Massachusetts Foreclosures			3 - 4 Months	None	Yes	Reference
Michigan	Michigan Foreclosures			2 - 3 Months	Up to 12 Months	Yes	Reference
Minnesota	Minnesota Foreclosures			2 - 3 Months	6 Months	Yes (Judicial)	Reference
Mississippi	Mississippi Foreclosures			2 - 3 Months	None	Yes	Reference
Missouri	Missouri Foreclosures			2 - 3 Months	Up to 12 Months	Yes	Reference
Montana	Montana Foreclosures			4 - 6 Months	12 Months	Yes (Judicial)	Reference
Nebraska	Nebraska Foreclosures			5 - 6 Months	None	Yes	Reference
Nevada	Nevada Foreclosures			3 - 5 Months	None	Yes	Reference
New Hampshire	New Hampshire Foreclosures			2 - 3 Months	None	Yes	Reference
New Jersey	New Jersey Foreclosures			3 - 10 Months	6 Months	Yes	Reference
New Mexico	New Mexico Foreclosures			4 - 6 Months	9 Months	Yes	Reference
New York	New York Foreclosures			4 - 8 Months	None	Yes	Reference
North Carolina	North Carolina Foreclosures			2 - 4 Months	10 Days	Yes (Judicial)	Reference
North Dakota	North Dakota Foreclosures			3 - 5 Months	60 Days	No	Reference
Ohio	Ohio Foreclosures			5 - 7 Months	Until Confirmation	Yes	Reference
Oklahoma	Oklahoma Foreclosures			4 - 7 Months	Until Confirmation	Yes	Reference
Oregon	Oregon Foreclosures			4 - 6 Months	None	No	Reference
Pennsylvania	Pennsylvania Foreclosures			3 - 9 Months	None	Yes	Reference
Rhode Island	Rhode Island Foreclosures			2 - 3 Months	Up to 3 Years	Yes	Reference
South Carolina	South Carolina Foreclosures			4 - 7 Months	None	Yes	Reference
South Dakota	South Dakota Foreclosures			6 - 9 Months	Up to 12 Months	Yes	Reference
Tennessee	Tennessee Foreclosures			2 - 3 Months	Up to 2 Years	Yes	Reference
Texas	Texas Foreclosures			2 - 3 Months	None	Yes	Reference
Utah	Utah Foreclosures			4 - 5 Months	180 Days	Yes	Reference
Vermont	Vermont Foreclosures			7- 10 Months	Up to 6 Months	Yes	Reference
Virginia	Virginia Foreclosures			2 - 3 Months	None	Yes	Reference
Washington	Washington Foreclosures			4 - 5 Months	None	Yes (Judicial)	Reference
West Virginia	West Virginia Foreclosures			2 - 3 Months	None	Yes	Reference
Wisconsin	Wisconsin Foreclosures			6 - 10 Months	None	Yes	Reference
Wyoming	Wyoming Foreclosures			2 - 3 Months	3 Months	Yes	Reference
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State Law Reference
* D.C. Code Ann. § 42-815
** LA. Code Civ. Proc. Ann. Arts. 3721 to 3753, 2631 to 2772
*** W. Va. Code § 38-1-3 to 38-1-1