State foreclosure timeline and redemption explainer
How a foreclosure runs depends on the state. Pick the state and the sale date from your notice to see the process type, the typical last day for the sale notice and the redemption rule — each cited to an official source.
How we calculated this
The process type and notice periods come from each state's own official page or statute, as listed in the state process listings on this site: California Courts Self-Help, Texas Property Code sec. 51.002, New York CourtHelp, Florida Statutes ch. 45, the Georgia Attorney General, A.R.S. sec. 33-808, RCW 61.24, 735 ILCS 5 Art. XV, Ohio Legal Help and Colorado Revised Statutes Title 38 Art. 38.
For the ten named states, the typical last notice day subtracts the state's typical published or recorded notice period from the sale date: CA 20, TX 21, FL 14, GA 30, NY 28, IL 21, OH 30, AZ 90, WA 90, CO 110 days. The real statute can name different steps — mailings, publication weeks, posting boards — so this is a floor, not a deadline to rely on. For "Another state" the tool shows no date, because the repo cites no notice period for it.
Redemption notes quote the statute or the official self-help page named for each state. All dates are calendar days in UTC. Method checked 2026-10-20.
Method checked on 2026-10-20.
This tool is a guide, not legal advice. Your notice, your loan documents and your state's law set the real deadlines; a foreclosure lawyer or HUD-approved counselor can confirm them.
Questions
- What is the difference between judicial and non-judicial foreclosure?
- In a judicial state the lender files a lawsuit and a court must enter judgment before the sale. In a non-judicial state a trustee or public trustee sells the property under the deed of trust without a court case, after statutory notice.
- Can I stop a foreclosure after the sale date is set?
- Sometimes. Ask your servicer about loss mitigation, talk to a HUD-approved counselor (HUD line 800-569-4287), and in a judicial state make sure you filed an answer. In some states you can redeem — pay what is owed — until the sale or its confirmation.
- What is a redemption period?
- A window in which you can keep the home by paying the full amount owed. Most non-judicial states have none after the sale; some judicial states let you redeem until confirmation, and Illinois sets months-long redemption.
- Someone offered to stop my sale for an upfront fee. Is that real?
- Probably a scam. Foreclosure rescue operators charge upfront fees or ask you to sign over your deed — both are warning signs. Free help exists through HUD-approved housing counselors.
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