Foreclosure Timeline
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How long will it take before they sell my house?
| Select Your State |
The Mortgage Company will likely begin the Foreclosure process within 90 to 120 days from the first missed payment. However, there remains plenty of time to complete a Loss Mitigation Agreement with the lender. The table below shows the average timeline between the Notice of Default (NOD) and the foreclosure sale in the individual states and any redemption period that they may have.
What is a redemption period?
A redemption period is the time frame after your house has been sold at an auction. You have that amount of time to buy back the house from the entity who purchased the home at the auction. You have to be careful not to let your home go into the redemption period. It is almost impossible for someone that has been foreclosed to secure financing to re-purchase the home back
| Alabama | 3 months | 12 month redemption period |
| Alaska | 4 months | No Redemption |
| Arkansas | 3 months | No Redemption |
| Arizona | 3 months | No Redemption |
| California | 4 months | No Redemption |
| Colorado | 5 months | 75 day Redemption |
| Connecticut | 6 months | No Redemption |
| Delaware | 7 months | No Redemption |
| DC | 4 months | No Redemption |
| Florida | 7 months | No Redemption |
| Georgia | 3 months | No Redemption |
| Hawaii | 7 months | No Redemption |
| Idaho | 9 months | No Redemption |
| Illinois | 10 months, we typically do not see that it lasts this long | No Redemption |
| Indiana | 9 months | 3 month Redemption |
| Iowa | 7 months | 6 month redemption if Judicial Foreclosure |
| Kansas | 4 months | 6-12 month Redemption |
| Kentucky | 7 months | No Redemption |
| Louisiana | 6 months | No Redemption |
| Maine | 10 months | No Redemption |
| Maryland | 5 months | No Redemption |
| Massachusetts | 5 months | No Redemption |
| Michigan | 3 months | 6 month Redemption |
| Minnesota | 4 months | 6 month Redemption |
| Mississippi | 4 months | No Redemption |
| Missouri | 3 months | No Redemption |
| Montana | 6 months | No Redemption |
| Nebraska | 4 months | No Redemption |
| Nevada | 4 months | No Redemption |
| New Hampshire | 3 months | No Redemption |
| New Jersey | 10 months | 10 day Redemption |
| New Mexico | 5 months | No Redemption |
| New York | 10 months, this could take as long as 3 years | No Redemption |
| North Carolina | 4 months | No Redemption |
| North Dakota | 4 months | 60 day Redemption |
| Ohio | 8 months | No Redemption |
| Oklahoma | 7 months | No Redemption |
| Oregon | 5 months | No Redemption |
| Pennsylvania | 9 months | No Redemption |
| Rhode Island | 3 months | No Redemption |
| South Carolina | 6 months | No Redemption |
| South Dakota | 4 months | No Redemption |
| Tennesse | 3 months | No Redemption |
| Texas | 2 months, this is the fastest Foreclosure State | No Redemption |
| Utah | 5 months | No Redemption |
| Vermont | 10 months | No Redemption |
| Virginia | 4 months | No Redemption |
| Washington | 5 months | No Redemption |
| West Virginia | 4 months | No Redemption |
| Wisconsin | 10 months | No Redemption |
| Wyoming | 3 months | 3 month Redemption |
Like we stated before... If your house has not been sold at an auction we still have time to get this worked out for you. Our team of Specialists can negotiate with your Mortgage Company to bring your loan current.
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IMPORTANT NOTICE: American Foreclosure Specialists (AFS) and our services are not approved by the government or your lender. www.afscanhelp.com is not associated with the government, nor is it a government sponsored website. To access information on government sponsored assistance, please visit makinghomeaffordable.gov. You need to know that even if you accept our offer and use our service, your lender may not agree to change your loan. Also, if you stop paying your mortgage, you could lose your home and damage your credit rating. Work Out and Loan Modification Plans vary and are dependent upon mortgage company criteria and financial information gathered as part of the efforts AFS provides. The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. AFS is neither a bank nor an attorney company. By submitting this contact request, you are consenting to be contacted by foreclosure specialists by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.