Summary of Ohio's Foreclosure Laws

If you are facing foreclosure in Ohio, it’s important to understand some of the basics, including:

the most common type of foreclosure procedure (judicial v. nonjudicial) used in Ohio
how much time you have to respond
your rights and protections in the process, and
what happens afterwards (for example, whether you’ll be liable for a deficiency judgment).

Below we have outlined some of the most important features of Ohio foreclosure law. Keep in mind that this is just a summary; we’ve included statute citations so you can get more details from the laws themselves. And be sure to check out Nolo’s extensive Foreclosure section, where you can find information about all aspects of foreclosure, definitions of foreclosure terms (like redemption and reinstatement), and options to avoid foreclosure.

Topic	State Rule
Most common type of foreclosure process	Judicial
Time to respond	After foreclosing party files lawsuit, homeowner has 28 days to respond. After the court issues a foreclosure judgment, foreclosing party files the notice of sale with the court at least seven days prior to the sale and sends a copy to the homeowner. Foreclosing party must publish notice of sale at least three weeks before sale date.
Reinstatement of loan before sale	Not available
Redemption after sale	Available until the court confirms the sale
Special protections for foreclosures involving high-cost mortgages	None
Special state protections for service members	Ohio Rev. Code Ann. §§ 5919.29, 5923.12
Deficiency judgments	Allowed, but judgment is void two years after confirmation of the sale by the court. Property cannot be sold for less than 2/3 of appraised value at the foreclosure sale.
Cash exempted in bankruptcy	Up to $1,575; $3,150 if married filing jointly
Notice to leave after house is sold	No special provisions for evictions following foreclosure. The new owner will likely have to go to court to get an eviction order. Court-ordered evictions usually take two weeks to a month, depending on whether or not former owner responds to the lawsuit.
Foreclosure statutes	Ohio Rev. Code Ann. §§ 2323.07, 2329.26, 5721.38

Summary of Ohio's Foreclosure Laws

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