Foreclosure Process Length
Please Note: The timelines listed are a general rule of thumb. They may vary on a case by case basis. You should not under any circumstance delay action because you think you have time. Once your home has been sold due to foreclosure proceedings, it is gone forever.
- Alabama: 7 Months
- Alaska: 3 Months
- Arizona: 3 – 4 Months
- Arkansas: 4 – 5 Months
- California: 4 – 7 Months
- Colorado: 5 – 7 Months
- Connecticut: 7 – 9 Months
- Delaware: 6 – 8 Months
- Florida: 6 – 9 Months
- Georgia: 3 – 4 Months
- Hawaii: 4(**NJF), 9(**JF) Months
- Idaho: 5 – 6 Months
- Illinois: 7 Months
- Indiana: 12 Months
- Iowa: 5 – 6 Months (NJF), 17 Months (JF)
- Kansas: 12 Months
- Kentucky: 7 – 8 Months
- Louisiana: 100 Days – 6 Months
- Maine: 9 – 22 Months
- Maryland: 4 – 6 Months
- Massachusetts: 100 Days – 8 Months
- Michigan: 2 Months
- Minnesota: 2 Months
- Mississippi: 2 Months
- Missouri: 2 Months
- Montana: 5 Months
- Nebraska: 6 Months
- Nevada: 4 Months
- New Hampshire: 2 Months
- New Jersey: 3 Months
- New Mexico: 4 Months
- New York: 4 Months
- North Carolina: 2 Months
- North Dakota: 3 Months
- Ohio: 5 Months
- Oklahoma: 3 Months
- Oregon: 6 Months
- Pennsylvania: 3 Months
- Rhode Island: 2 Months
- South Carolina: differs case by case
- South Dakota: 3 Months
- Tennessee: 2 Months
- Texas: 2 Months
- Utah: differs case by case
- Vermont: 7 Months
- Virginia: 2 Months
- Washington: 4 Months
- West Virginia: 2 Months
- Wisconsin: 3 Months
- Wyoming: 3 Months
** Judicial Foreclosure (JF): A foreclosure in which a trust deed or mortgage deed does not have a power of sale clause, thus requiring judicial assistance via the courts.
** Non-Judicial Foreclosure (NJF): A foreclosure that can be completed outside the court system because a trust deed or mortgage deed has a power of sale clause.
