Foreclosure Help in the Western States
Thirteen states, and the deadlines are not the same in any two of them.
Choose your state
Most western states foreclose without going to court, which makes them faster than the judicial half of the country — but the notice periods swing enormously, from about three weeks to a hundred and twenty days.
Alaska — 90-day notice, and no deficiency after a trustee sale
Arizona — fast trustee sales under a deed of trust
California — the three-month rule, and reinstatement to five business days before the sale
Colorado — public trustee sales, a Rule 120 hearing, and cure until noon the day before
Hawaii — mostly judicial, slow, and no post-sale redemption
Idaho — 120-day notice and a modification request that blocks the sale
Montana — 120-day notice, reinstatement to the sale, and no deficiency
Nevada — the NRS 107.080 timeline and a real mediation right
New Mexico — judicial, with a redemption period your mortgage may have cut to one month
Oregon — mandatory resolution conference and no deficiency
Utah — a hard three-month notice-of-default period
Washington — Foreclosure Fairness mediation, and mediation stops the sale
Wyoming — short notice, but three months to redeem after the sale
What is true across the region
Nearly all of these states use a trustee sale rather than a lawsuit, so the clock is driven by recorded notices rather than a court docket. Several — Alaska, Montana, Oregon and Washington — largely bar the lender from pursuing you for a shortfall after that sale, which is one of the most valuable protections on this page. Post-sale redemption is rare here; Wyoming is the notable exception.
Looking for a state outside this region? The full state index covers all fifty states and the District of Columbia.
A note on what this page is
This is general information about how foreclosure works in these states. It is not legal advice and it is not a prediction about your loan. Timelines vary by lender, by servicer, by county and by the specifics of your file, and the law changes. If you are facing foreclosure, a conversation with an attorney licensed in your state is time well spent.
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