STATE
TYPE OF FORECLOSURE
MONTHS TO FORECLOSE
MINIMUM/EXPECTED
DEFICIENCY JUDGMENT
REDEMPTION PERIOD
Alabama
Primarily Non-Judicial
1/3
Possible and Practical
12 Months
Alaska
Both
3/4
Not Practical
None
Arizona
Both
3/4
Not Practical
None
Arkansas
Both
4/5
Possible and Practical
None
California
Primarily Non-Judicial
4/4
Not Practical
None
Colorado
Both
2/5
Possible and Practical
75 Days
Connecticut
Judicial/Strict
5/6
Possible and Practical
None
Delaware
Judicial
3/7
Possible and Practical
None
District of Columbia
Non-Judicial
2/4
Possible and Practical
None
Florida
Judicial
5/5
Possible and Practical
None
Georgia
Primarily Non-Judicial
2/2
Possible and Practical
None
Hawaii
Primarily Non-Judicial
3/4
Not Practical
None
Idaho
Non-Judicial
5/6
Possible and Practical
None
Illinois
Judicial
7/10
Possible and Practical
None
Indiana
Judicial
5/7
Possible and Practical
3 Months
Iowa
Both
5/6
Not Practical
6 Months,if judicial
Kansas
Judicial
4/4
Possible andPractical
6-12 Months
Kentucky
Judicial
6/5
Possible and Practical
None
Louisiana
Judicial
2/6
Possible and Practical
None
Maine
Primarily Judicial
6/10
Possible and Practical
None
Maryland
Judicial
2/2
Possible and Practical
None
Massachusetts
Non-Judicial
3/4
Possible and Practical
None
Michigan
Both
2/2
Possible and Practical
6 Months
Minnesota
Both
2/3
Not Practical
6 Months
Mississippi
Primarily Non-Judicial
2/3
Possible and Practical
None
Missouri
Primarily Non-Judicial
2/2
Possible and Practical
None
Montana
Primarily Non-Judicial
5/5
Not Practical
None
Nebraska
Judicial
5/6
Possible and Practical
None
Nevada
Primarily Non-Judicial
4/4
Possible and Practical
None
New Hampshire
Primarily Non-Judicial
2/3
Possible and Practical
None
New Jersey
Judicial
3/10
Possible and Practical
10 Days
New Mexico
Judicial
4/6
Possible and Practical
None
New York
Judicial
4/8
Possible and Practical
None
North Carolina
Non-Judicial
2/4
Possible and Practical
None
North Dakota
Judicial
3/5
Not Possible
60 Days
Ohio
Judicial
5/7
Possible and Practical
None
Oklahoma
Primarily Judicial
4/7
Possible and Practical
None
Oregon
Non-Judicial
5/5
Not Practical
None
Pennsylvania
Judicial
3/9
Not Practical
None
Rhode Island
Both
2/3
Possible and Practical
None
South Carolina
Judicial
6/6
Not Practical
None
Tennessee
Non-Judicial
2/2
Possible and Practical
None
Texas
Non-Judicial
2/2
Possible and Practical
None
Utah
Both
4/5
Possible and Practical
None
Vermont
Both
7/10
Possible and Practical
None
Virginia
Non-Judicial
2/2
Possible and Practical
None
Washington
Non-Judicial
4/5
Not Practical
None
West Virginia
Non-Judicial
2/2
Possible and Practical
None
Wisconsin
Judicial
varies/10
Not Practical
None
Wyoming
Non-Judicial
2/3
Possible and Practical
3 Months
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