Use the links below to research the laws for your particular state. Because the foreclosure laws vary from one state to the next, it’s important to clarify which state you are researching.
When looking at the laws, there are 3 main things you should look for. The first is the approximate foreclosure timeline, which will tell you how much time you have to stop the foreclosure or find help. The second is the type of foreclosure. In all states, it is either a judicial foreclosure or a non-judicial foreclosure. Most states are judicial, which means the foreclosure will take place in a court and it will be part of public record. The third thing you should look for is whether a deficiency judgment is allowed. If a deficiency judgment is allowed, it means your lender can force you to pay your mortgage in full, regardless of how much the home sells for at a sheriffs sale or short sale.
Knowing the foreclosure laws in your state will put you in a much better position to fight foreclosure. In many cases, you may also catch your lender breaking the foreclosure rules for your state. If you do think your lender has missed a step in the foreclosure process, then you may have legal grounds to stop the foreclosure. Even if only temporary, this delay may allow you enough time to get things back on track.
Although the laws may be somewhat complicated, or hard to understand, you should be able to get a basic understanding of the laws of your state and what your lender needs to do to legally foreclose on the home. Understanding your rights and the foreclosure laws will help you fight foreclosure and recover much faster.
Even if you’ve only missed one payment, or if you think you may miss future payments, it’s always good to know the foreclosure laws that apply to your mortgage and state. To get a more in depth understanding of your state and local laws, you can become a member and get access to 100’s of pages of new laws and your foreclosure rights.
If you are having troubles understanding, or if you need to speak with an attorney, please request this once you’ve signed up for your free membership.
Foreclosure laws are different for each state, so choose your state below and learn about the laws in your state.
Although we try to maintain these pages to the best of our ability, changes can happen on a daily basis, so we can not take responsibility for the accuracy of these pages. Please use these pages as a general guideline and if you need to know the exact foreclosure laws for your state, at that particular time, please contact us and we can provide access to more up to date information or a local attorney who can help.
You may also visit your state’s website and search “Foreclosure Laws” to find the most current information. Please do not rely on the information found out other websites about state laws. Most other sites do not keep their information up to date, so you may be looking at foreclosure laws from 5 years ago. Make sure you are reading current information about your state foreclosure laws.
Our state laws pages are currently being updated. Please use the members section to view your state laws until these pages are updated. Thank you, and sorry for any inconvenience.