State |
Security Instrument |
Foreclosure Type |
Initial Step |
# of Months |
Redemption |
Deficiency |
Sale |
Alabama |
Trust Deed, Mortgage |
Mainly Nonjudicial |
Publication |
1-2 |
12 months |
Allowed |
Trustee |
Alaska |
Trust Deed, Mortgage |
Mainly Nonjudicial |
Notice of Default |
3-4 |
None |
Allowed (Judicial only) |
Trustee |
Arizona |
Trust Deed |
Mainly Nonjudicial |
Notice of Sale |
3-4 |
None |
Varies |
Trustee |
Arkansas |
Trust Deed |
Mainly Nonjudicial |
Notice of Default |
4-6 |
12 months (Judicial only) |
Allowed (Judicial only) |
Trustee |
California |
Trust Deed |
Mainly Nonjudicial |
Notice of Default |
4 |
12 Months (Judicial only) |
Allowed (Judicial only) |
Trustee |
Colorado |
Trust Deed |
Mainly Nonjudicial |
Notice of Default |
4-5 |
75 Days |
Allowed |
Public Trustee |
Connecticut |
Mortgage |
Judicial Only |
Complaint |
3 |
None |
Allowed |
Court |
Delaware |
Mortgage |
Judicial Only |
Complaint |
5-6 |
None |
Allowed |
Sheriff |
DC |
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 months |
Allowed |
Iowa |
Mortgage |
Judicial |
Petition |
5 |
6 months |
Allowed |
Kansas |
Mortgage |
Judicial |
Complaint |
4 |
6-12 months |
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 months |
Allowed |
Minnesota |
Mortgage |
Nonjudicial |
Publication |
2 |
6 months |
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 Days |
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 days |
Prohibited |
Ohio |
Mortgage |
Judicial |
Complaint |
5 |
None |
Allowed |
Oklahoma |
Mortgage |
Judicial |
Complaint |
4 |
None |
Allowed |
Oregon |
Trust Deed |
Nonjudicial |
Notice of Default |
5 |
None |
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 days |
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 months |
Allowed |