State Foreclosure Law Reference

Comprehensive foreclosure laws for all 50 states, DC, and Puerto Rico. Search by state, filter by foreclosure method, and compare consumer protections side by side.

Total Jurisdictions

Judicial Only

Non-Judicial Only

Both Methods

Mediation Required

No Deficiency

Protections:

52 jurisdictions found

State	Method	Timeline	Redemption	Deficiency	Protections
AL Alabama	Non-Judicial	1-3 months	365 days	Allowed
AK Alaska	Non-Judicial	3-4 months	None	Allowed
AZ Arizona	Non-Judicial	3-5 months	None	Not Allowed
AR Arkansas	Non-Judicial	2-5 months	None	Allowed
CA California	Non-Judicial	4-8 months	None	Not Allowed	No Dual Track
CO Colorado	Non-Judicial	2-6 months	75 days	Allowed
CT Connecticut	Judicial	6-15 months	0 days	Allowed	Mediation
DE Delaware	Judicial	6-12 months	None	Allowed	Mediation
DC District of Columbia	Non-Judicial	2-5 months	None	Allowed	Mediation
FL Florida	Judicial	6-18 months	0 days	Allowed
GA Georgia	Non-Judicial	1-3 months	None	Allowed
HI Hawaii	Both	6-12 months	None	Allowed	Mediation
ID Idaho	Non-Judicial	5-6 months	None	Allowed
IL Illinois	Judicial	7-15 months	0 days	Allowed
IN Indiana	Judicial	5-12 months	None	Allowed
IA Iowa	Judicial	5-12 months	365 days	Allowed	Mediation
KS Kansas	Judicial	4-12 months	365 days	Allowed
KY Kentucky	Judicial	6-12 months	365 days	Allowed
LA Louisiana	Judicial	2-6 months	None	Allowed
ME Maine	Judicial	6-18 months	90 days	Allowed	Mediation
MD Maryland	Both	3-8 months	None	Allowed	Mediation
MA Massachusetts	Non-Judicial	3-9 months	None	Allowed
MI Michigan	Non-Judicial	2-6 months	180 days	Allowed
MN Minnesota	Non-Judicial	2-6 months	180 days	Allowed	No Dual Track
MS Mississippi	Non-Judicial	2-4 months	None	Allowed
MO Missouri	Non-Judicial	1-3 months	365 days	Allowed
MT Montana	Non-Judicial	5-6 months	None	Allowed
NE Nebraska	Judicial	5-9 months	None	Allowed
NV Nevada	Non-Judicial	4-8 months	None	Not Allowed	Mediation
NH New Hampshire	Non-Judicial	2-4 months	None	Allowed
NJ New Jersey	Judicial	9-24 months	10 days	Allowed	Mediation
NM New Mexico	Judicial	4-12 months	270 days	Allowed
NY New York	Judicial	12-36 months	None	Allowed	Mediation
NC North Carolina	Non-Judicial	2-4 months	None	Allowed
ND North Dakota	Judicial	5-12 months	365 days	Allowed
OH Ohio	Judicial	7-15 months	0 days	Allowed
OK Oklahoma	Judicial	5-12 months	None	Allowed
OR Oregon	Non-Judicial	5-8 months	None	Not Allowed	MediationNo Dual Track
PA Pennsylvania	Judicial	9-18 months	None	Allowed
PR Puerto Rico	Judicial	6-18 months	365 days	Allowed
RI Rhode Island	Non-Judicial	2-5 months	None	Allowed
SC South Carolina	Judicial	6-12 months	None	Allowed
SD South Dakota	Both	3-9 months	365 days	Allowed
TN Tennessee	Non-Judicial	1-3 months	730 days	Allowed
TX Texas	Non-Judicial	1-3 months	None	Allowed
UT Utah	Non-Judicial	4-6 months	None	Allowed
VT Vermont	Judicial	7-18 months	180 days	Allowed
VA Virginia	Non-Judicial	2-4 months	None	Allowed
WA Washington	Non-Judicial	4-8 months	None	Not Allowed	MediationNo Dual Track
WV West Virginia	Non-Judicial	2-4 months	None	Allowed
WI Wisconsin	Judicial	9-18 months	365 days	Allowed
WY Wyoming	Non-Judicial	2-4 months	90 days	Allowed

Legal Disclaimer

This reference is for educational and informational purposes only and does not constitute legal advice. Foreclosure laws change frequently. Always verify current statutes with your state legislature or a licensed attorney in your jurisdiction. Federal protections (RESPA, TILA, SCRA, CFPB regulations) apply in addition to state law. Last updated: March 2026.