|
 |
|
State |
Security Instrument |
Foreclosure Type |
Initial Step |
# of months |
Redemption |
Deficiency |
| Alabama |
Mortgage |
Nonjudicial
|
Publication
|
1
|
12 months
|
Allowed |
| Alaska |
Trust Deed |
Nonjudicial |
NOD |
3 |
None |
Allowed |
| Arizona |
Trust Deed |
Nonjudicial |
Notice of Sale |
3 |
None |
Allowed |
| Arkansas |
Mortgage |
Judicial |
Complaint |
4 |
None |
Allowed |
| California |
Mortgage |
Nonjudicial |
NOD |
4 |
None |
Prohibited |
| Colorado |
Trust Deed |
Nonjudicial |
NOD |
3 to 6 |
75 days |
Allowed |
| Connecticut |
Trust Deed |
Strict |
Complaint |
3 to 6 |
None |
Allowed |
| Delaware |
Mortgage |
Judicial |
Complaint |
3 |
None |
Allowed |
| DC |
Trust Deed |
Nonjudicial |
NOD |
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 |
NOD |
5 |
None |
Allowed |
| Illinois |
Mortgage |
Judicial |
Complaint |
7 |
None |
Allowed |
| Indiana |
Mortgage |
Judicial |
Complaint |
3 |
3 months |
Allowed |
| Iowa |
Mortgage |
Judicial |
Petition |
5 |
6 months |
Allowed |
| Kansas |
Mortgage |
Judicial |
Complaint |
5 |
6-12 months |
Allowed |
| Kentucky |
Mortgage |
Judicial |
Complaint |
4 |
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 |
2 |
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 |
5 |
None |
Allowed |
| Montana |
Trust Deed |
Nonjudicial |
Notice |
5 |
None |
Prohibited |
| Nebraska |
Mortgage |
Judicial |
Petition |
4 |
None |
Allowed |
| Nevada |
Trust Deed |
Nonjudicial |
NOD |
4 |
None |
Allowed |
| N. Hampshire |
Mortgage |
Nonjudicial |
Notice of Sale |
2 |
None |
Allowed |
| N. Jersey |
Mortgage |
Judicial |
Complaint |
3 |
10 days |
Allowed |
| N. Mexico |
Mortgage |
Judicial |
Complaint |
4 |
None |
Allowed |
| New York |
Mortgage |
Judicial |
Complaint |
4 |
None |
Allowed |
| N. Carolina |
Trust Deed |
Nonjudicial |
Notice Hearing |
2 |
None |
Allowed |
| N. Dakota |
Mortgage |
Judicial |
Complaint |
3 |
60 days |
Prohibited |
| Ohio |
Mortgage |
Judicial |
Complaint |
5 |
None |
Allowed |
| Oklahoma |
Mortgage |
Judicial |
Complaint |
4 |
None |
Allowed |
| Oregon |
Mortgage |
Nonjudicial |
NOD |
5 |
None |
Allowed |
| Pennsylvania |
Mortgage |
Judicial |
Complaint |
3 |
None |
Allowed |
| Rhode Island |
Mortgage |
Nonjudicial |
Publication |
2 |
None |
Allowed |
| S. Carolina |
Mortgage |
Judicial |
Complaint |
6 |
None |
Allowed |
| S. 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 |
NOD |
4 |
None |
Allowed |
| Vermont |
Mortgage |
Judicial |
Complaint |
7 |
None |
Allowed |
| Virginia |
Mortgage |
Nonjudicial |
Publication |
2 |
None |
Allowed |
| Washington |
Trust Deed |
Nonjudicial |
NOD |
4 |
None |
Allowed |
| W. Virginia |
Trust Deed |
Nonjudicial |
Publication |
2 |
None |
Prohibited |
| Wisconsin |
Mortgage |
Judicial |
Complaint |
Varies |
None |
Allowed |
| Wyoming |
Mortgage |
Nonjudicial |
Publication |
2 |
3 months |
Allowed |
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