Foreclosure help, state by state
The single biggest factor in your foreclosure timeline isn't your lender — it's your state. Some states finish in 60 days; others take more than a year and include court-ordered mediation. Find yours below.
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Every state page covers the local process type, the typical timeline, and what homeowners there can still do at each stage.
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Browse foreclosure help by state
ALAlabama foreclosure helpNon-judicial (out of court)as little as 2–3 monthsAKAlaska foreclosure helpBoth judicial and non-judicialroughly 3–5 monthsAZArizona foreclosure helpNon-judicial (out of court)roughly 3–4 monthsARArkansas foreclosure helpBoth judicial and non-judicialroughly 3–5 monthsCACalifornia foreclosure helpNon-judicial (out of court)roughly 4–6 monthsCOColorado foreclosure helpNon-judicial (out of court)roughly 4–6 monthsCTConnecticut foreclosure helpJudicial (through the courts)often 10 months or longerDEDelaware foreclosure helpJudicial (through the courts)often 9–12 monthsFLFlorida foreclosure helpJudicial (through the courts)often 8–14 monthsGAGeorgia foreclosure helpNon-judicial (out of court)as little as 2–3 monthsHIHawaii foreclosure helpJudicial (through the courts)often 9 months or longerIDIdaho foreclosure helpNon-judicial (out of court)roughly 4–6 monthsILIllinois foreclosure helpJudicial (through the courts)often 9–15 monthsINIndiana foreclosure helpJudicial (through the courts)often 6–10 monthsIAIowa foreclosure helpJudicial (through the courts)often 6–10 monthsKSKansas foreclosure helpJudicial (through the courts)often 6–9 monthsKYKentucky foreclosure helpJudicial (through the courts)often 6–10 monthsLALouisiana foreclosure helpJudicial (through the courts)roughly 6–9 months, sometimes fasterMEMaine foreclosure helpJudicial (through the courts)often 10 months or longerMDMaryland foreclosure helpBoth judicial and non-judicialroughly 4–7 monthsMAMassachusetts foreclosure helpNon-judicial (out of court)roughly 4–8 monthsMIMichigan foreclosure helpNon-judicial (out of court)roughly 3–5 months, plus redemptionMNMinnesota foreclosure helpNon-judicial (out of court)roughly 3–5 months, plus redemptionMSMississippi foreclosure helpNon-judicial (out of court)as little as 2–3 monthsMOMissouri foreclosure helpNon-judicial (out of court)as little as 2–3 monthsMTMontana foreclosure helpNon-judicial (out of court)roughly 5–6 monthsNENebraska foreclosure helpBoth judicial and non-judicialroughly 4–7 monthsNVNevada foreclosure helpNon-judicial (out of court)roughly 4–7 monthsNHNew Hampshire foreclosure helpNon-judicial (out of court)roughly 3–4 monthsNJNew Jersey foreclosure helpJudicial (through the courts)often 12 months or longerNMNew Mexico foreclosure helpJudicial (through the courts)often 6–12 monthsNYNew York foreclosure helpJudicial (through the courts)often 12 months or longerNCNorth Carolina foreclosure helpNon-judicial (out of court)roughly 3–5 monthsNDNorth Dakota foreclosure helpJudicial (through the courts)often 6–9 monthsOHOhio foreclosure helpJudicial (through the courts)often 6–12 monthsOKOklahoma foreclosure helpBoth judicial and non-judicialroughly 4–7 monthsOROregon foreclosure helpBoth judicial and non-judicialroughly 4–6 monthsPAPennsylvania foreclosure helpJudicial (through the courts)often 9–15 monthsRIRhode Island foreclosure helpNon-judicial (out of court)roughly 3–5 monthsSCSouth Carolina foreclosure helpJudicial (through the courts)often 6–10 monthsSDSouth Dakota foreclosure helpBoth judicial and non-judicialroughly 4–7 months, plus redemptionTNTennessee foreclosure helpNon-judicial (out of court)as little as 2–3 monthsTXTexas foreclosure helpNon-judicial (out of court)as little as 2–3 monthsUTUtah foreclosure helpNon-judicial (out of court)roughly 4–6 monthsVTVermont foreclosure helpJudicial (through the courts)often 8–12 monthsVAVirginia foreclosure helpNon-judicial (out of court)as little as 2–4 monthsWAWashington foreclosure helpNon-judicial (out of court)roughly 5–8 monthsWVWest Virginia foreclosure helpNon-judicial (out of court)roughly 2–4 monthsWIWisconsin foreclosure helpJudicial (through the courts)often 9–12 months, including redemptionWYWyoming foreclosure helpNon-judicial (out of court)roughly 2–4 months, plus redemption
Process types and timelines on these pages are general information based on each state's typical procedure — they are not legal advice, and individual cases vary. A specialist (or a free HUD-approved counselor at 800-569-4287) can confirm what applies to your exact situation.
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