Types of Foreclosure
by State

|
State
|
Security
Instrument
|
Foreclosure
Type
|
Initial
Step
|
# of
Months
|
Redemption
Period
|
Deficiency
|
|
Alabama
|
Mortgage
|
Nonjudicial
|
Publication
|
1
|
12 months
|
Allowed
|
|
Alaska
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
3
|
None
|
Allowed
|
|
Arizona
|
Trust Deed
|
Nonjudicial
|
Notice of Sale
|
3
|
None
|
Allowed
|
|
Arkansas
|
Mortgage
|
Judicial
|
Complaint
|
4
|
None
|
Allowed
|
|
California
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
4
|
None
|
Prohibited
|
|
Colorado
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
2
|
75 Days
|
Allowed
|
|
Connecticut
|
Mortgage
|
Strict
|
Complaint
|
5
|
None
|
Allowed
|
|
Delaware
|
Mortgage
|
Judicial
|
Complaint
|
3
|
None
|
Allowed
|
|
Dist. of Col.
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
2
|
None
|
Allowed
|
|
Florida
|
Mortgage
|
Judicial
|
Complaint
|
5
|
None
|
Allowed
|
|
Georgia
|
Security Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Allowed
|
|
Hawaii
|
Mortgage
|
Nonjudicial
|
Publication
|
3
|
None
|
Allowed
|
|
Idaho
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
5
|
None
|
Allowed
|
|
Illinois
|
Mortgage
|
Judicial
|
Complaint
|
7
|
None
|
Allowed
|
|
Indiana
|
Mortgage
|
Judicial
|
Complaint
|
5
|
3 months
|
Allowed
|
|
Iowa
|
Mortgage
|
Judicial
|
Petition
|
5
|
6 months
|
Allowed
|
|
Kansas
|
Mortgage
|
Judicial
|
Complaint
|
4
|
6-12 months
|
Allowed
|
|
Kentucky
|
Mortgage
|
Judicial
|
Complaint
|
6
|
None
|
Allowed
|
|
Louisiana
|
Mortgage
|
Exec.Process
|
Petition
|
2
|
None
|
Allowed
|
|
Maine
|
Mortgage
|
Judicial
|
Complaint
|
6
|
None
|
Allowed
|
|
Maryland
|
Trust Deed
|
Nonjudicial
|
Notice
|
2
|
None
|
Allowed
|
|
Massachusetts
|
Mortgage
|
Judicial
|
Complaint
|
3
|
None
|
Allowed
|
|
Michigan
|
Mortgage
|
Nonjudicial
|
Publication
|
2
|
6 months
|
Allowed
|
|
Minnesota
|
Mortgage
|
Nonjudicial
|
Publication
|
2
|
6 months
|
Prohibited
|
|
Mississippi
|
Trust Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Prohibited
|
|
Missouri
|
Trust Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Allowed
|
|
Montana
|
Trust Deed
|
Nonjudicial
|
Notice
|
5
|
None
|
Prohibited
|
|
Nebraska
|
Mortgage
|
Judicial
|
Petition
|
5
|
None
|
Allowed
|
|
Nevada
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
4
|
None
|
Allowed
|
|
New Hampshire
|
Mortgage
|
Nonjudicial
|
Notice of Sale
|
2
|
None
|
Allowed
|
|
New Jersey
|
Mortgage
|
Judicial
|
Complaint
|
3
|
10 Days
|
Allowed
|
|
New Mexico
|
Mortgage
|
Judicial
|
Complaint
|
4
|
None
|
Allowed
|
|
New York
|
Mortgage
|
Judicial
|
Complaint
|
4
|
None
|
Allowed
|
|
North Carolina
|
Trust Deed
|
Nonjudicial
|
Notice Hearing
|
2
|
None
|
Allowed
|
|
North Dakota
|
Mortgage
|
Judicial
|
Complaint
|
3
|
60 days
|
Prohibited
|
|
Ohio
|
Mortgage
|
Judicial
|
Complaint
|
5
|
None
|
Allowed
|
|
Oklahoma
|
Mortgage
|
Judicial
|
Complaint
|
4
|
None
|
Allowed
|
|
Oregon
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
5
|
None
|
Allowed
|
|
Pennsylvania
|
Mortgage
|
Judicial
|
Complaint
|
3
|
None
|
Allowed
|
|
Rhode Island
|
Mortgage
|
Nonjudicial
|
Publication
|
2
|
None
|
Allowed
|
|
South Carolina
|
Mortgage
|
Judicial
|
Complaint
|
6
|
None
|
Allowed
|
|
South Dakota
|
Mortgage
|
Judicial
|
Complaint
|
3
|
180 days
|
Allowed
|
|
Tennessee
|
Trust Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Allowed
|
|
Texas
|
Trust Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Allowed
|
|
Utah
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
4
|
None
|
Allowed
|
|
Vermont
|
Mortgage
|
Judicial
|
Complaint
|
7
|
None
|
Allowed
|
|
Virginia
|
Trust Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Allowed
|
|
Washington
|
Trust Deed
|
Nonjudicial
|
Notice of Default
|
4
|
None
|
Allowed
|
|
West Virginia
|
Trust Deed
|
Nonjudicial
|
Publication
|
2
|
None
|
Prohibited
|
|
Wisconsin
|
Mortgage
|
Judicial
|
Complaint
|
Varies
|
None
|
Allowed
|
|
Wyoming
|
Mortgage
|
Nonjudicial
|
Publication
|
2
|
3 months
|
Allowed
|
Attention:
State laws change frequently. Make sure you check for
updates with your state.
|