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Foreclosure Laws by State

State-by-state foreclosure timelines, homeowner protections, and free legal resources. Every claim cited to its source statute.

Foreclosure laws vary dramatically — timelines range from 60 days to over 2 years depending on whether your state uses judicial or non-judicial processes. With foreclosure filings rising nationally and FHA delinquency at 11.52%, understanding your state's protections has never mattered more. See our Foreclosure Statistics 2026 and Mortgage Delinquency Statistics for the national picture.

Alabama
Varies ~120 days
Alaska
Varies
Arizona
Varies ~150 days
Arkansas
Varies
California
Non-Judicial ~180 days
Colorado
Varies ~270 days
Connecticut
Varies
Delaware
Varies ~365 days
District of Columbia
Varies
Florida
Judicial ~330 days
Georgia
Varies ~60 days
Hawaii
Varies
Idaho
Varies
Illinois
Judicial ~420 days
Indiana
Judicial ~300 days
Iowa
Varies
Kansas
Varies
Kentucky
Varies ~270 days
Louisiana
Varies ~240 days
Maine
Varies
Maryland
Judicial ~270 days
Massachusetts
Varies ~270 days
Michigan
Varies ~270 days
Minnesota
Varies ~300 days
Mississippi
Varies ~90 days
Missouri
Varies ~210 days
Montana
Varies
Nebraska
Varies
Nevada
Varies ~180 days
New Hampshire
Varies
New Jersey
Judicial ~600 days
New Mexico
Varies
New York
Judicial ~900 days
North Carolina
Varies ~90 days
North Dakota
Varies
Ohio
Judicial ~270 days
Oklahoma
Varies
Oregon
Varies ~210 days
Pennsylvania
Judicial ~540 days
Rhode Island
Varies
South Carolina
Judicial ~365 days
South Dakota
Varies
Tennessee
Varies ~210 days
Texas
Non-Judicial ~180 days
Utah
Varies
Vermont
Varies
Virginia
Varies ~90 days
Washington
Non-Judicial ~240 days
West Virginia
Varies
Wisconsin
Judicial ~450 days
Wyoming
Varies
Pilot — deep research, citation layer complete Standard — key statutes cited Pending
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If you're struggling with debt or facing foreclosure, free help is available. The U.S. Department of Housing and Urban Development provides HUD-approved housing counselors at no cost. You can also call 1-800-569-4287.