State law controls much of what happens in foreclosure -- your rights in foreclosure, foreclosure procedures, available defenses, whether you are liable for a deficiency judgment after foreclosure, and more.
Below we've provided information on some of the important features of each state’s law on foreclosures. When reading about your state, keep in mind that:
- This is only a summary of your state’s laws and does
not tell the entire story. It is intended for owners of single-family
residences and doesn’t address special laws for agricultural land or the
rights of tenants in foreclosed homes owned by their landlords.
- This discusses only the most common method of foreclosure in your state.
For example, it provides information about nonjudicial foreclosures
for the states where they are the most common procedure, even though
judicial foreclosures are allowed in some circumstances.
- Laws change. Foreclosure laws and procedures are complex and subject to change by legislatures and to interpretation by courts.
For these reasons, you should use this information as a starting
point for additional research. Citations to each state’s statutes are
included so you can look up the laws themselves. (For more information on foreclosure, visit our Foreclosure topic.)