State Foreclosure Timelines

Foreclosure laws and timelines vary significantly by state. Understanding what's typical in your state helps you know what to expect and when to act.

Michigan

Commonly uses foreclosure by advertisement (non-judicial) in many mortgage cases.

  • Timeline: Varies by case
  • Foreclosure by advertisement common
  • Redemption varies by property type
View Michigan Timeline

Wisconsin

Judicial foreclosure through circuit court.

  • Timeline: Varies by case
  • Judicial process required
  • Redemption varies by case
View Wisconsin Timeline

North Carolina

Power-of-sale foreclosure with clerk hearing and sale.

  • Timeline: Varies by case
  • Power-of-sale process
  • Possible upset bid period
View NC Timeline

Florida

Judicial foreclosure through circuit court.

  • Timeline: Varies by case
  • Judicial process required
  • Redemption varies by case
View Florida Timeline

Ohio

Judicial foreclosure with deficiency may be possible.

  • Timeline: Varies by case
  • Judicial process required
  • Deficiency may be possible
View Ohio Timeline

Texas

Non-judicial foreclosure common (tax foreclosures differ).

  • Timeline: Varies by case
  • Non-judicial common
  • Redemption varies by case
View Texas Timeline

Georgia

Power-of-sale foreclosure with clerk hearing.

  • Timeline: Varies by case
  • Power-of-sale process
  • Redemption varies by case
View Georgia Timeline

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