Foreclosure Help by State
Understand your value. Know your equity. Review your options.
Foreclosure is governed state by state, and the differences are not cosmetic. Whether your lender goes through a court or through a recorded notice, how many days you get before a sale, whether you can reinstate the loan the day before the auction, whether you can redeem the property afterward, and whether you can be pursued for a shortfall — all of that changes at the state line.
That is why a single national page cannot answer the question that matters to you. Pick your state below. Where a page is live, it sets out that state’s process, deadlines and homeowner protections in plain language, with the statute cited so you or your attorney can check it.
The options themselves are national. Reinstatement, repayment plans, forbearance, loan modification, a traditional sale, a cash offer and a lender-approved short sale exist everywhere. What changes state to state is how much time you have to use them. Start with Homeowner Options for the paths themselves, then come here for your own calendar.
West
Alaska — state page in progress
Arizona — process, deadlines and protections, with statute citations
California — process, deadlines and protections, with statute citations
Colorado — state page in progress
Hawaii — state page in progress
Idaho — state page in progress
Montana — state page in progress
Nevada — process, deadlines and protections, with statute citations
New Mexico — state page in progress
Oregon — state page in progress
Utah — state page in progress
Washington — state page in progress
Wyoming — state page in progress
Southwest and South Central
Arkansas — state page in progress
Kansas — state page in progress
Louisiana — state page in progress
Missouri — state page in progress
Oklahoma — state page in progress
Texas — state page in progress
Midwest
Illinois — state page in progress
Indiana — state page in progress
Iowa — state page in progress
Michigan — state page in progress
Minnesota — state page in progress
Nebraska — state page in progress
North Dakota — state page in progress
Ohio — state page in progress
South Dakota — state page in progress
Wisconsin — state page in progress
Southeast
Alabama — state page in progress
Florida — state page in progress
Georgia — state page in progress
Kentucky — state page in progress
Mississippi — state page in progress
North Carolina — state page in progress
South Carolina — state page in progress
Tennessee — state page in progress
Virginia — state page in progress
West Virginia — state page in progress
Northeast and Mid-Atlantic
Connecticut — state page in progress
Delaware — state page in progress
District of Columbia — state page in progress
Maine — state page in progress
Maryland — state page in progress
Massachusetts — state page in progress
New Hampshire — state page in progress
New Jersey — state page in progress
New York — state page in progress
Pennsylvania — state page in progress
Rhode Island — state page in progress
Vermont — state page in progress
If your state page is not up yet
Two things are true everywhere while you wait. Federal rules generally prevent a servicer from making the first foreclosure notice or filing until the loan is more than 120 days delinquent (12 CFR §1024.41(f)(1)), with exceptions. And HUD-approved housing counseling is free, always — find a counselor through the locator at hud.gov or by calling 800-569-4287. A counselor in your state can tell you your local timeline at no cost.
You can also request a confidential homeowner options review wherever you are. We work through the KW network nationally, and the review starts with the same nine items regardless of which state you are in: what the property is worth, what is actually owed against it, where you sit on your state’s timeline, and what each available path would net you.
Information provided is for general educational purposes and is not legal, tax, credit or financial advice. Foreclosure law and timelines vary by state and change over time. Confirm dates against your own recorded documents and consult an attorney or a HUD-approved housing counselor licensed in your state.
Understand your value. Know your equity. Review your options.
One confidential review. Every available option. Call or text 888-980-9820.
KW Home Solutions, part of KW Default Solutions and powered by Keller Williams Realty. Corporate Office: Laguna Niguel, CA.