Foreclosure laws by state.

One of the fastest non-judicial processes in the country. Power-of-sale clause activates quickly.

Trustee-deed process is most common. 90-day reinstatement window after notice of default.

Anti-deficiency statutes protect homeowners who bought with purchase-money mortgages on residential property.

Very fast non-judicial process. Lender files a complaint then gives a 10-day period after judgment before sale.

Strong anti-deficiency protections. 3-month notice of default + 21-day notice of sale minimum.

Public trustee handles the sale. Relatively fast non-judicial process.

Uses 'strict foreclosure' — no sale, title passes to lender if not redeemed in the court-set period. Can be very fast once the court rules.

Judicial process with Chancery Court. Sheriff's sale follows judgment. Generally more time than nearby states.

Judicial process creates a longer timeline — more time for modification. Deficiency judgments allowed up to 1 year after sale.

Among the fastest foreclosure timelines nationwide. Act immediately if you receive a notice.

Non-judicial path is faster; no deficiency allowed on non-judicial residential sales. Judicial path can take 18–24 months.

Trustee must follow a specific 150-day pre-sale notice procedure. Anti-deficiency protection for purchase-money deeds of trust.

Long judicial process gives significant time for workout options. Redemption period is substantial.

Judicial process with a 3-month post-sale redemption right. Mediation is encouraged in many counties.

Meaningful post-sale redemption period. FHA loans have a longer redemption period. Non-judicial path available but rarely used.

Judicial process. Redemption period varies by property type. Owner-occupied residential: 3 months.

Master commissioner conducts the sale after court judgment. No post-sale right of redemption.

Executive-proceedings allow for faster judicial foreclosure than most states. No right of redemption after sale.

Foreclosure by civil action. 90-day redemption period runs before the court enters final judgment, not after sale.

Primary market for SwiftHome. Mandatory mediation program available. Order to Docket begins the formal process.

Relatively fast non-judicial process. Strict compliance with statutory steps required or the sale can be challenged.

6-month redemption period after sale is meaningful — homeowners can stay in the home during that window.

Strong 6-month post-sale redemption right. Homeowners can remain in the property during the redemption period.

Deed-of-trust process; trustee can sell without court action. No post-sale right of redemption.

One of the faster non-judicial timelines. Trustee sale can proceed about 60 days after first publication of notice.

No deficiency judgment allowed after non-judicial foreclosure on property that served as the borrower's primary residence.

Judicial process through district court. No right of redemption once the sale is confirmed.

Mandatory mediation program available to homeowners before foreclosure proceeds.

Fast non-judicial process via power of sale in the mortgage deed. 25-day publication period required.

One of the slowest judicial processes in the country — provides significant negotiation runway.

Judicial process through district court. Short 30-day post-sale redemption window.

Mandatory settlement conference required in residential foreclosures — lenders must negotiate in good faith.

Substitute-trustee process; clerk of court hearing required. Mandatory 10-day upset-bid period after sale.

Judicial process; 60-day right of redemption after sale. Homeowners may remain in possession during redemption.

Judicial process provides multiple opportunities to modify or resolve before auction.

Judicial process through district court. No post-sale right of redemption for residential mortgages.

Non-judicial path is faster; anti-deficiency rules apply to non-judicial sales of residential property.

Act 91 notice required. Mediation available in most counties. Long judicial process.

Fast non-judicial process. Homeowner has 3 years after sale to redeem by paying all sums owed — but this is rarely practical.

Master-in-equity conducts the sale. No right of redemption after the sale is confirmed.

Meaningful 6-month post-sale redemption right. Anti-deficiency protections apply in certain circumstances.

Very fast non-judicial process. Trustee can advertise and sell within 60 days of default.

Extremely fast — one of the shortest timelines in the U.S. Sale can happen the first Tuesday of the month after a 21-day posting period.

No deficiency judgment allowed after non-judicial trustee's sale. Anti-deficiency protection is strong.

Strict foreclosure system: no public auction. Court sets a redemption period; if the homeowner doesn't redeem, title transfers to the lender.

Very fast non-judicial process. Advertising requirements are minimal. Act quickly.

No deficiency allowed after non-judicial foreclosure. 120-day mediation window is available.

Trustee sale process; notice published for 4 consecutive weeks before sale. No right of redemption.

Long judicial process with a substantial redemption period. Homeowners can remain in possession during redemption.

No deficiency allowed after non-judicial trustee's sale. 3-month post-sale redemption right.