State by State


State

Process Begins (Months)

Redemption Period
(Days)

Security Instrument

Foreclosure
Action

Alabama

2-3

365

Mortgage

Non-Judicial

http://www.foreclosure.com/statelaw_AL.html?rsp=22342

Alaska

3-4

365

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_AK.html?rsp=22342

Arizona

3

30-180

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_AZ.html?rsp=22342

Arkansas

3

365

Mortgage

Judicial/
Non-Judicial

http://www.foreclosure.com/statelaw_AR.html?rsp=22342

California

4

365

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_CA.html?rsp=22342

Colorado

6

75

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_CO.html?rsp=22342

Connecticut

2-5

Court Decides

Mortgage

Strict Foreclosure

http://www.foreclosure.com/statelaw_CT.html?rsp=22342

Delaware

7-10

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_DE.html?rsp=22342

District of Columbia

2

None

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_DC.html?rsp=22342

Florida

5

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_FL.html?rsp=22342

Georgia

2

None

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_GA.html?rsp=22342

Hawaii

11

None

Mortgage

Judicial/
Non-Judicial

http://www.foreclosure.com/statelaw_HI.html?rsp=22342

Idaho

5

365

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_ID.html?rsp=22342

Illinois

12

365

Mortgage/Deed of Trust

Judicial

http://www.foreclosure.com/statelaw_IL.html?rsp=22342

Indiana

9

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_IN.html?rsp=22342

Iowa

4-6

20

Mortgage/Deed of Trust

Non-Judicial

http://www.foreclosure.com/statelaw_IA.html?rsp=22342

Kansas

7-8

365

Mortgage

Judicial

http://www.foreclosure.com/statelaw_KS.html?rsp=22342

Kentucky

6

365

Mortgage/Deed of Trust

Judicial

http://www.foreclosure.com/statelaw_KY.html?rsp=22342

Louisiana

6-9

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_LA.html?rsp=22342

Maine

9

90

Mortgage

Judicial

http://www.foreclosure.com/statelaw_ME.html?rsp=22342

Maryland

2

Court Decides

Mortgage/Deed of Trust

Judicial

http://www.foreclosure.com/statelaw_MD.html?rsp=22342

Massachusetts

3

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_MA.html?rsp=22342

Michigan

8

30-365

Mortgage

Non-judicial

http://www.foreclosure.com/statelaw_MI.html?rsp=22342

Minnesota

4

1825

Mortgage

Non-judicial

http://www.foreclosure.com/statelaw_MN.html?rsp=22342

Mississippi

3-4

None

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_MS.html?rsp=22342

Missouri

2

365

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_MO.html?rsp=22342

Montana

5-6

None

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_MT.html?rsp=22342

Nebraska

4-6

None

Mortgage/Deed of Trust

Judicial

http://www.foreclosure.com/statelaw_NE.html?rsp=22342

Nevada

4

None

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_NV.html?rsp=22342

New Hampshire

3

None

Mortgage

Non-judicial

http://www.foreclosure.com/statelaw_NH.html?rsp=22342

New Jersey

9

10

Mortgage

Judicial

http://www.foreclosure.com/statelaw_NJ.html?rsp=22342

New Mexico

6

30-270

Mortgage

Judicial

http://www.foreclosure.com/statelaw_NM.html?rsp=22342

New York

15

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_NY.html?rsp=22342

North Carolina

3-4

None

Deed of Trust

Non-Judicial

http://www.foreclosure.com/statelaw_NC.html?rsp=22342

North Dakota

5

180-365

Mortgage

Judicial

http://www.foreclosure.com/statelaw_ND.html?rsp=22342

Ohio

7

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_OH.html?rsp=22342

Oklahoma

6-7l

None

Mortgage/Deed of Trust

Judicial

http://www.foreclosure.com/statelaw_OK.html?rsp=22342

Oregon

5

180

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_OR.html?rsp=22342

Pennsylvania

10

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_PA.html?rsp=22342

Puerto Rico

2-3

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_PR.html?rsp=22342

Rhode Island

2

None

Mortgage

Non-judicial

http://www.foreclosure.com/statelaw_RI.html?rsp=22342

South Carolina

6

None

Mortgage

Judicial

http://www.foreclosure.com/statelaw_SC.html?rsp=22342

South Dakota

5

30-265

Judicial

Judicial

http://www.foreclosure.com/statelaw_SD.html?rsp=22342

Tennessee

2

730

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_TN.html?rsp=22342

Texas

3

None

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_TX.html?rsp=22342

Utah

5

Court Decides

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_UT.html?rsp=22342

Vermont

9

180-365

Mortgage

Judicial

http://www.foreclosure.com/statelaw_VT.html?rsp=22342

Virginia

2

None

Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_VA.html?rsp=22342

Washington

5

None

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_WA.html?rsp=22342

West Virginia

4

None

Mortgage/Deed of Trust

Non-judicial

http://www.foreclosure.com/statelaw_WV.html?rsp=22342

Wisconsin

9

365

Mortgage

Judicial

http://www.foreclosure.com/statelaw_WI.html?rsp=22342

Wyoming

2

90-365

Mortgage/Deed of Trust

Non-Judicial

http://www.foreclosure.com/statelaw_WY.html?rsp=22342

State by State Judicial or Non-Judicial

Alabama                Non-Judicial

Alaska                  Non-judicial

Arizona                Non-judicial

Arkansas              Judicial & Non

California              Non-judicial

Colorado               Non-judicial

Connecticut           Strict Foreclosure

Delaware              Judicial

Florida                   Judicial

Georgia                 Non-judicial

Hawaii                   Judicial & Non

Idaho                    Non-judicial

Illinois                   Judicial

Indiana                 Judicial

Iowa                     Non-Judicial

Kansas                 Judicial

Kentucky              Judicial

Louisiana              Judicial

Maine                    Judicial

Maryland               Judicial

Massachusetts      Judicial

Michigan                Non-judicial

Minnesota             Non-judicial

Mississippi             Non-judicial

Missouri                Non-judicial

Montana               Non-judicial

Nebraska              Judicial

Nevada                 Non-judicial

New Hampshire    Non-judicial

New Jersey           Judicial

New Mexico           Judicial

New York              Judicial

North Carolina      Non-Judicial

North Dakota        Judicial

Ohio                      Judicial

Oklahoma             Judicial

Oregon                 Non-judicial

Pennsylvania        Judicial

Puerto Rico           Judicial

Rhode Island        Non-judicial

South Carolina      Judicial

South Dakota        Judicial

Tennessee            Non-judicial

Texas                    Non-judicial

Utah                      Non-judicial

Vermont                Judicial

Virginia                  Non-judicial

Wash. D.C.           Non-judicial

Washington          Non-judicial

West Virginia        Non-judicial

Wisconsin             Judicial

Wyoming               Non-Judicial