Pick your state to see exactly how long the foreclosure process takes — from Notice of Default through forced eviction. All 50 states, all statutory timelines.
Non-judicial states (CA, TX, AZ, NV) complete in 90-180 days. Judicial states (FL, NY, IL, NJ) take 12-24 months. New York averages 445 days from NOD to sale (slowest); Texas can finish in 42 days (fastest). Pick your state above for exact days.
Judicial requires the lender to sue in court before sale — slower (12-24mo) but more borrower protections. Non-judicial uses a "power of sale" clause in the deed of trust — faster (90-180 days), fewer protections. About 30 states allow non-judicial.
A window after the foreclosure sale when the former owner can buy back the property by paying the full sale price plus interest. Notable: Alabama (365d), Iowa (365d), Michigan (180d), Wisconsin (365d). Most non-judicial states have no redemption.
Cash buyers like BuyHousesInCash close in 7-14 days. In non-judicial states you typically need to act within 30-60 days of the Notice of Default. In judicial states you usually have 6-18 months to negotiate a sale before auction. Call as soon as you receive any default notice.
Depends on state law. Most judicial-foreclosure states allow it. California (non-judicial only), Arizona (purchase-money loans), Nevada (limited), and Oregon (limited) ban or restrict deficiency judgments. The tool shows your state's rule.
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