Ohio is a judicial foreclosure state. The process typically takes 6-10 months. Important: Ohio allows deficiency judgments, meaning you may owe money even after the property is sold.
Key stages in the Ohio judicial foreclosure process.
Lender files complaint in common pleas court
You receive summons via service or publication
Court enters judgment after hearing
Sheriff's sale scheduled by magistrate
Lender may pursue deficiency judgment
Important Ohio Consideration: Deficiency Judgments
In Ohio, the lender may seek a deficiency judgment for the difference between the property sale price and the total amount owed. Consult an attorney to understand your exposure.
Your specific dates matter.
Mortgage statements, lender correspondence.
Address deficiency judgment concerns.
Common questions about the Ohio foreclosure process.
Have questions about your specific situation?
Open a Case File