Foreclosure, a term that has unfortunately become more common than we would like, is the legal process that lenders initiate when a homeowner defaults on their mortgage payments. The procedures involved, as well as the duration, can vary significantly depending on which state the property is located in. This is largely due to the fact that different states either use mortgages or deeds of trust in their real estate transactions. And depending on which one is used, the foreclosure may be conducted either judicially (through the courts) or non-judicially.
If you are facing foreclosure, you may be interested in learning more about the foreclosure process and what your options are. However, as explained, the foreclosure process, laws, and timeline vary from state to state.
The table below outlines the estimated foreclosure timelines for each state, including the process period, publish sale, and redemption period on a state-by-state basis.
Get in touch with a local New Again Houses cash home buyer and learn more about avoiding foreclosure in your state.
| State | Process Period (in days | Publish Sale (in days) | Redemption Period (in days) |
| Alabama | 49-74 | 21 | 365 |
| Alaska | 105 | 65 | 365 |
| Arizona | 90+ | 41 | 30-180 |
| Arkansas | 70 | 30 | 365 |
| California | 117 | 21 | 365 |
| Colorado | 145 | 60 | None |
| Connecticut | 62 | NA | Court Decides |
| Delaware | 170-210 | 60-90 | None |
| Florida | 135 | NA | None |
| Georgia | 37 | 32 | None |
| Hawaii | 220 | 60 | None |
| Idaho | 150 | 45 | 365 |
| Illinois | 300 | NA | 90 |
| Indiana | 261 | 120 | None |
| Iowa | 160 | 30 | 20 |
| Kansas | 130 | 21 | 365 |
| Kentucky | 147 | NA | 365 |
| Louisiana | 180 | NA | None |
| Maine | 240 | 30 | 90 |
| Maryland | 46 | 30 | Court Decides |
| Massachusetts | 75 | 41 | None |
| Michigan | 60 | 30 | 30-365 |
| Minnesota | 90-100 | 7 | 180 |
| Mississippi | 90 | 30 | None |
| Missouri | 60 | 10 | 365 |
| Montana | 150 | 50 | None |
| Nebraska | 142 | NA | None |
| Nevada | 116 | 80 | None |
| New Hampshire | 59 | 24 | None |
| New Jersey | 270 | NA | 10 |
| New Mexico | 180 | NA | 30-270 |
| New York | 445 | NA | None |
| North Carolina | 110 | 25 | None |
| North Dakota | 150 | NA | 180-365 |
| Ohio | 217 | NA | None |
| Oklahoma | 186 | NA | None |
| Oregon | 150 | 30 | 180 |
| Pennsylvania | 270 | NA | None |
| Rhode Island | 62 | 21 | None |
| South Carolina | 150 | NA | None |
| South Dakota | 150 | 23 | 30-365 |
| Tennessee | 40-45 | 20-25 | 730 |
| Texas | 27 | NA | None |
| Utah | 142 | NA | Court Decides |
| Vermont | 95 | NA | 180-365 |
| Virginia | 45 | 14-28 | None |
| Washington | 135 | 90 | None |
| Washington D.C. | 47 | 18 | None |
| West Virginia | 60-90 | 30-60 | None |
| Wisconsin | 290 | NA | 365 |
| Wyoming | 60 | 25 | 90-365 |
The state with the quickest foreclosure process is Montana, followed by Mississippi, West Virginia, Wyoming, and Minnesota.
The state with the longest foreclosure process is Hawaii, followed by Louisiana, Kentucky, Nevada, and Connecticut.
Your bank may begin the pre-foreclosure process when you are 90 days (or 3 months) behind on your mortgage payments. You still own the property, but unless you work out an agreement with your lender or sell the house before it’s auctioned off, you will lose your home to foreclosure.
When you are in pre-foreclosure, you have a few routes you can take to prevent losing your home. These include making up missed payments, asking for loan modification, obtaining a deed in lieu of foreclosure, or selling your home in a short sale.
If you are facing foreclosure and you can’t afford to keep your home, you can sell your home during the pre-foreclosure process and stop the bank from taking your house. At New Again Houses, we can make you a fair offer, close quickly, and help you avoid foreclosure.
At New Again Houses, we buy, remodel, and sell homes for property owners who are facing foreclosure. We’ve been in the business of helping local homeowners sell their homes since 2008. Based in Bristol, TN, and serving homeowners nationwide, the New Again Houses team would love the opportunity to both prevent foreclosure on your home and invest in the local community.
Are you ready to sell your house, get a cash offer, close in a matter of days, and avoid foreclosure? Call 423.389.8005 today to get started.