The timeline for foreclosure depends on the laws of your individual state. For instance, foreclosures can occur as quickly as 30 days in Alabama and take up to 10 months in Delaware. This article gives you the approximate timeline for foreclosure in each state.
Alabama - 30-60 days
Alaska - 90 days
Arizona - 90 days
Arkansas - 120 days
California - 120 days
Colorado - 60 -180 days
Connecticut - 60-150 days
Delaware - 90-300 days
Florida - 180 days
Georgia - 90 days
Hawaii - 60 days
Idaho - 150 days
Iowa - 150 days
Illinois - 210 days
Indiana - 150 days
Kansas - 120 days
Kentucky -- Varies greatly because individual Judges set time rather than having a statutory timeline for foreclosure.
Louisiana - 60 days
Maine - 90 days
Maryland - 60 days
Massachusetts - 90 days
Michigan - 60 days
Minnesota - 60 days
Mississippi - 60 days
Missouri - 60 days
Montana - 150 days
Nebraska - 180 days
Nevada - 120 days
New Hampshire - 60 days
New Jersey - 90 days
New Mexico - 120 days
New York - 120 days
North Carolina - 60 days
North Dakota - 90 days
Ohio - 150 days
Oklahoma - 90 days
Oregon - 120-180 days
Pennsylvania - 90 days
Rhode Island - 60 days
South Carolina -- Varies greatly because individual Judges set time rather than having a statutory timeline for foreclosure.
South Dakota - 90 days
Tennessee - 60 days
Texas - 60 days
Utah - Varies greatly because individual Judges set time rather than having a statutory timeline for foreclosure.
Vermont - 210 days
Virginia - 60 days
Washington - 120 days
Washington, D.C. - 60 days
West Virginia - 60 days
Wisconsin - 90 days
Wyoming - 90 days
These time periods are general guidelines from the date the Notice of Default is entered to the time of the auction of the property. The timeline for foreclosure listed above does not include any Redemption Period.
A Redemption Period is a time when homeowners can buy back their property at the auction price. Only about half of states have them and they range in time from 10 days in New Jersey to a full year in Ohio.
During the timeframe listed above, the homeowner can take a number of steps to stop foreclosure. They can bring the payments current, sell the property either through traditional means or a short sale, get refinancing, or turn the home over to the lender in a Deed in Lieu of Foreclosure.
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