State Procedures
This is a general guide only, laws change and you need to check your state statutes for accurate, up to date procedures. Foreclosure type will most often be either judicial or non-judicial.
Months to foreclose include the legal minimum required and the probable time length once foreclosure has begun.
Deficiency judgments are available in some states if the lender loses money through the foreclosure process, but many times it is not practical for the lender to enforce a judgment.
State by State Listing
| Judicial Process | Non-Judicial Process |
| Alabama (Primarily) | |
| Alaska | Alaska |
| Arizona | Arizona |
| Arkansas | Arkansas |
| California | |
| Colorado | Colorado |
| Connecticut | |
| Delaware | |
| District of Columbia | |
| Florida | |
| Georgia | |
| Hawaii | |
| Idaho | |
| Illinois | |
| Indiana | |
| Iowa | Iowa |
| Kansas | |
| Kentucky | |
| Louisiana | |
| Maine | |
| Maryland | |
| Massachusetts | |
| Michigan | Michigan |
| Minnesota | Minnesota |
| Mississippi | |
| Missouri | |
| Montana | |
| Nebraska | |
| Nevada | Nevada |
| New Hampshire | |
| New Jersey | |
| New Mexico | |
| New York | |
| North Carolina | |
| North Dakota | |
| Ohio | |
| Oklahoma | |
| Oregon | |
| Pennsylvania | |
| Rhode Island | Rhode Island |
| South Carolina | |
| Tennessee | |
| Texas | |
| Utah | Utah |
| Vermont | Vermont |
| Virginia | |
| Washington | |
| West Virginia | |
| Wisconsin | |
If your state is listed in both columns, it means both procedures are available. Just because your State is listed in one column or another, does not mean that other methods may not be available to the Mortgage Owner as well.