Foreclosure laws of individual states
We provide information about state foreclosure laws. This information is designed to help understand the process in each state. But legal information is not legal advice. We do not give legal advice. Laws of each state is different and often changing. If necessary, seek legal or professional depending on your situation.
We chose a summary of the laws of each country. For a more detailed analysis of the closure of the laws of individual states, visit the website or call 800-437-2185for a free consultation about your foreclosure prevention options.
WARNING: The information on the Internet most are wrong! Many of the sites that are not public Closure laws have incorrect information. We went through a lengthy and timely research to bring you the latest and accurate information available.
Mortgages and deeds TRUST MEMBERS
Under each state, depending on whether the Mortgage, Deed of Trust or both.
Mortgage States
Hampshire Alabama Louisiana North Dakota Arkansas Maine Ohio Connecticut Massachusetts Oregon Delaware Michigan, Minnesota, Pennsylvania, Rhode Island, Florida, Hawaii, New South Carolina, Vermont, New Jersey, Kansas, Indiana, Wisconsin, New Mexico, New York
Deed of Trust Member
Alaska North Carolina, Mississippi, Missouri Virginia California Nevada Arizona Washington, DC
Member States that use both Deeds of trust and mortgage register
Colorado, Montana, Nebraska, Oklahoma Texas Utah Wyoming Idaho Illinois Iowa Oregon Washington Maryland Tennessee Georgia West Virginia, Kentucky
CLOSING SUMMARIES
The summaries that follow provide some information on individual state foreclosure laws. Hours may vary and the specific circumstances of each situation. Ports found within are based on uncontested actions and assume no delays. They provide for the sale, so do the total amounts of the various procedures to the end, when the longest possible time for the foreclosure process all over. Often, these times are longer than normal, that redemption does not happen often. However, delays – so keep this in mind – that is closing a unique situation, timelines will vary from foreclosure to foreclosure, and from State to State. All foreclosures are taking place in the GSE guidelines.
Alabama closure laws
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 49-73 days – sale held 30-60 days, when NOD is not required.
• the right of redemption: Yes (12 months)
• Gaps judgments allowed: Yes
Alaska closure laws
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 105-108 days – sale held, the prize is recorded 108-111
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Arizona closing laws
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Planning: 115 days (not legal)
• the right to redeem or
• Gaps judgments allowed: Yes
Arkansas closure laws
• Closing legal available: yes
• non-judicial closure available: yes, mostly
Security instruments • Primary Mortgage Deed of Trust
• Program: 90 days
• the right of redemption: the sale ends
• Gaps judgments allowed: Yes
California law closing
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Planning: 120 days
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Colorado closing laws
• Closing legal available: yes
• non-judicial closure Available: Yes (normal)
Security instruments • Primary Mortgage Deed of Trust
• Time: 91 days – sale held; 166 redemption expires, 173 prize has been
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Connecticut closure laws
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Time: 90 days – default entered, 180 redemption expires
• the right of redemption: Yes
• Gaps judgments allowed: Yes
C. D. (Washington, District of Columbia)
• Closure of the law: no
• non-judicial closure available: yes
• primary security instruments: Deed of Trust
• Time: 47 days – sale held; 1948 award has been submitted for registration;
• the right to redeem or
• Gaps judgments allowed: Yes
Delaware closure laws
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Time: 170-210 days – sale held sales confirmation 200-300;
• the right to redeem or
• Gaps judgments Allowed: No
Florida closing laws
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Planning: 135 days – sale held, 150 certificate of title issued;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Georgia closure laws
• Closing legal available: yes
• non-judicial closure Available: Yes (normal)
Security instruments • Primary Mortgage Deed of Trust
• Time: 37 days were considered, 48 were sent to the recognition award;
• the right to redeem or
• Gaps judgments allowed: Yes
Hawaii closing laws
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time (JF): 220 days – auction confirmed 260, 320 vehicles;
• Timetable (NJ): 160 days – auction, 195 vehicles;
• the right to redeem or
• Gaps judgments allowed: Yes
Idaho closure laws
• Closure of the law: no
• non-judicial closure available: yes
• primary security instruments: Deed of Trust
• Planning: 150 days – the sale occurred, the man entered
• the right to redeem or
• Gaps judgments allowed: Yes
Illinois Closure laws
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 300 days – sale held; 345 redemption expires, the premium is recorded;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Indiana closing laws
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Planning: 251 days – sale held; 266 redemption expires, the premium is registered;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Iowa closure laws
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 160 days – sale held; 180 redemption expires, the premium is registered;
• the right of redemption: Yes
• Gaps judgments Allowed: No
Kansas closure laws
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Planning: 130 days – sale held by the end of the redemption of 210-495, 230-515 file closed;
• the right of redemption: Yes (3-12 months)
• Gaps judgments allowed: Yes
Kentucky closure laws
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 147 days – sale held, 177 confirmation of sale, 198 recorded in the award;
• the right to redeem or
• Gaps judgments allowed: Yes
The laws of Louisiana closure
• legal closure Available: Yes (executive and ordinary process)
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Time (EP): 180 days – sale held; 209 recorded in the award;
• Time (OP) 240 days – sale held; 269 were found;
• the right to redeem or
• Gaps judgments allowed: Yes
Your Maine Closing
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Planning: 240 days – sale held; 270 recorded in the award;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Maryland closing laws
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary Mortgage Deed of Trust
• Time: 46 days – sale held;
• the right to redeem or
• Gaps judgments allowed: Yes
Massachusetts closing laws
• Closure of the law: no
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 75 days – sale held;
• the right to redeem or
• Gaps judgments allowed: Yes
The laws of Michigan closing
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
• Primary Security Instruments: Deed of rust T Mortgage
• Program: 60 days – sale held, 90-425 redemption expires, the date recorded;
• the right of redemption: Yes (common for 6 months)
• Gaps judgments allowed: Yes
Minnesota closure laws
• Closure of the law: no
• non-judicial closure available: yes
Security instruments • Primary: Mortgage
• Time: 9-10 days – sale held 270-280 redemption expires;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Mississippi closing laws
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 90 days – sale held;
• the right to redeem or
• Gaps judgments allowed: Yes
Missouri Closing Act
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 60 days – sale held from 1961 to 1965 the award is registered;
• the right of redemption: Yes (rare and difficult)
• Gaps judgments allowed: Yes
Montana Law Closing
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Planning: 150 days – sale held; 153 prize is registered; 163 possession transferred;
• the right to redeem or
• Gaps judgments allowed: Yes
Closure of Nebraska Law
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary: Mortgage
• Time (JF): 142 days – sale held; 176 recorded in the award;
• Timetable (NJ): 111 days – sale held; 121 recorded in the award;
• the right of redemption: Judicial 30 days, non-judicial authorities – does not;
• Gaps judgments allowed: Yes
Nevada Law Closing
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Timetable (NJ): 116 days – sale held; 118 Trust in connection with the deed of sale is recorded;
• the right to redeem or
• Gaps judgments allowed: Yes
New Hampshire closure
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 59 days – sale held; 1975 award are recorded;
• the right to redeem or
• Gaps judgments allowed: Yes
New Jersey Law Closing
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 270 days – sale held; 280 prize is registered; 290
• the right of redemption: Yes (10 days)
• Gaps judgments allowed: Yes
Closure of New Mexico Law
• Closing legal available: yes
• The non-judicial closure: no
Security instruments • Primary: Mortgage
• Planning: 180 days – sale held; 195 prize is registered; 225 redemption expires;
• the right of redemption: Yes (30 days)
• Gaps judgments allowed: Yes
New York Law Closing
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time (New York City): 445 days – sale held;
• Hours (outside city): 335 days – sale held;
• the right to redeem or
• Gaps judgments allowed: Yes
North Carolina law of closure
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Planning: 110 days – sale held; 120 recorded in the award;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
North Dakota Law Closing
• legal closure Available: Yes (usually)
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 150 days – sale of access to a conviction;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Ohio Closing Act
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 217 days – sale held until redemption expires and the premium is recorded depends on county;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Oklahoma Closing Act
• legal closure Available: Yes (usually)
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Planning: 156 days – sale held, confirmed the sale of 186, 201 recorded in the award;
• the right to redeem or
• Gaps judgments allowed: Yes
Oregon Law Closing
• Closing legal available: yes
• non-judicial closure Available: Yes (usually)
Security instruments • Primary Mortgage Deed of Trust
• Planning: 150 days – sale held; 160 Trust registered in the award;
• the right of redemption: Rare
• Gaps judgments allowed: Yes
Closure of Pennsylvania Law
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 270 days – sale held, 300 redemption expires and deed recorded;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Rhode Island Law Closing
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 74 days – sale held;
• the right to redeem or
• Gaps judgments allowed: Yes
South Carolina closing
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instrument: Mortgage
• Planning: 150 days – sale entirely, 180 redemption expires and deed recorded;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
South Dakota Law Closing
• Closing legal available: yes
• non-judicial closure Available: Yes (rare)
Security instruments • Primary Mortgage Deed of Trust
• Planning: 150 days – sale held; 340 redemption expires and deed recorded;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Closure of Tennessee law
• Closing legal available: yes
• non-judicial closure Available: Yes (very rare)
Security instruments • Primary Mortgage Deed of Trust
• Time: 40-45 days – sale held from 1950 to 1955 the prize has been
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Closure of Texas Law
• Closing legal available: yes
• non-judicial closure available: yes
• primary security instruments: Deed of Trust, Home Equity Loan
• Time: 97 days – sale held; 102 recorded in the award;
• the right to redeem or
• Gaps judgments allowed: Yes
Closure of Utah Law
• Closing legal available: yes
• non-judicial closure available: yes
• Primary Security Instrument: Deed of rust T Mortgage
• Planning: 138 days – sale held; 139 registered in the premium;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Vermont Law Closing
• Closing legal available: yes
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Program: 95 days – default judgment is, 275 redemption expires and deed recorded;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Closure of Virginia Law
• legal closure Available: Yes (rare)
• non-judicial closure available: yes
• Primary Security Instruments: Deed of rust T Mortgage
• Time: 45 days – sale held; 1960 award are recorded;
• the right to redeem or
• Gaps judgments allowed: Yes
Washington Closure Act
• Closing legal available: yes
• non-judicial closure available: yes
• Primary Security Instruments: Deed of rust T Mortgage
• Planning: 135 days – sale held, the prize is recorded 140-150
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Washington D. C Closure Act
• Closure of the law: no
• non-judicial closure available: yes
• primary security instruments: Deed of Trust
• Time: 47 days – sale held; 1948 award has been submitted for registration;
• the right to redeem or
• Gaps judgments allowed: Yes
West Virginia Law Closing
• Closure of the law: no
• non-judicial closure available: yes
Security instruments • Primary Mortgage Deed of Trust
• Time: 60-90 days – sale held; 120 recorded in the award;
• the right to redeem or
• Gaps judgments allowed: Yes
Wisconsin Law Closing
• Closing legal available: yes
• The non-judicial closure: no
• Primary Security Instruments: Deed of rust T Mortgage
• Planning: 290 days – sale held for sale 305 300 verification application registered in 315 final name;
• the right of redemption: Yes
• Gaps judgments allowed: Yes
Act of closure Wyoming
• Closing legal available: yes
• non-judicial closure available: yes
• Primary Security Instruments: Deed of rust T Mortgage
• Program: 60 days – sale held;
• the right of redemption: Yes
• Gaps judgments Allowed: No
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