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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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