Foreclosure Laws

State Judicial Non-
Judicial		 Process
Period
(Days)

Sale
Publication
(Days)		 Redemption
Period
(Days)		 Sale/NTS
Alabama Yes Yes 49-74 21 365 Trustee
Alaska Yes Yes 105 65 365* Trustee
Arizona Yes Yes 90+ 41 30-180* Trustee
Arkansas Yes Yes 70 30 365* Trustee
California Yes Yes 117 21 365* Trustee
Colorado Yes Yes 145 60 None Trustee
Connecticut Yes No 62 NA Court Decides Court
Delaware Yes No 170-210 60-90 None Sheriff
District of Columbia No Yes 47 18 None Trustee
Florida Yes No 135 NA None Court
Georgia Yes Yes 37 32 None Trustee
Hawaii Yes Yes 220 60 None Trustee
Idaho Yes Yes 150 45 365 Trustee
Illinois Yes No 300 NA 90 Court
Indiana Yes No 261 120 None Sheriff
Iowa Yes Yes 160 30 20 Sheriff
Kansas Yes No 130 21 365 Sheriff
Kentucky Yes No 147 NA 365 Court
Louisiana Yes No 180 NA None Sheriff
Maine Yes No 240 30 90 Court
Maryland Yes No 46 30 Court Decides Court
Massachusetts Yes No 75 41 None Court
Michigan No Yes 60 30 30-365 Sheriff
Minnesota Yes Yes 90-100 7 1825 Sheriff
Mississippi Yes Yes 90 30 None Trustee
Missouri Yes Yes 60 10 365 Trustee
Montana Yes Yes 150 50 None Trustee
Nebraska Yes No 142 NA None Sheriff
Nevada Yes Yes 116 80 None Trustee
New Hampshire No Yes 59 24 None Trustee
New Jersey Yes No 270 NA 10 Sheriff
New Mexico Yes No 180 NA 30-270 Court
New York Yes No 445 NA None Court
North Carolina Yes Yes 110 25 None Sheriff
North Dakota Yes No 150 NA 180-365 Sheriff
Ohio Yes No 217 NA None Sheriff
Oklahoma Yes Yes 186 NA None Sheriff
Oregon Yes Yes 150 30 180 Trustee
Pennsylvania Yes No 270 NA None Sheriff
Rhode Island Yes Yes 62 21 None Trustee
South Carolina Yes No 150 NA None Court
South Dakota Yes Yes 150 23 30-365 Sheriff
Tennessee No Yes 40-45 20-25 730 Trustee
Texas Yes Yes 27 NA None Trustee
Utah No No 142 NA Court Decides Trustee
Vermont Yes No 95 NA 180-365 Court
Virginia Yes Yes 45 14-28 None Trustee
Washington Yes Yes 135 90 None Trustee
West Virginia No Yes 60-90 30-60 None Trustee
Wisconsin Yes Yes 290 NA 365 Sheriff
Wyoming Yes Yes 60 25 90-365 Sheriff
Data provided RealtyTrac.com

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