Foreclosure Timeline: After You Receive a Formal Notice of Foreclosure

Before a bank can sell your house at a foreclosure sale, you will get some sort of formal notice about the foreclosure. The kind of notice you'll get depends on whether the foreclosure is judicial or nonjudicial, and what your state’s foreclosure laws require.

Judicial Foreclosures

In around half of the states, the bank has to file a lawsuit in court to foreclose. This process is called a judicial foreclosure. If you live in a state where foreclosures go through the court system, you might get 30 days’ notice of the bank’s intent to file a foreclosure action in the form of a "breach letter" (if the terms of your mortgage or deed of trust require it).

You will definitely get a summons and complaint telling you when a foreclosure action has been filed in the appropriate court. Once you receive notice about the lawsuit, most people have 20 to 30 days to respond to the suit. If you file a response contesting the foreclosure action, it might take a few months—or even longer—before a judge rules on whether to grant the foreclosure.

Even if you don’t contest the foreclosure action, the sale usually won’t take place until at least a month after the judge issues the foreclosure order. So you’ll have at least a couple of months from the first notice of the case to the date the court orders the sale to take place. You’ll probably have at least double that amount of time if you decide to oppose the foreclosure in court.

If the judge orders the foreclosure sale, you’ll probably get a notice telling you when and where the sale will take place. In Connecticut and Vermont, though, in a process called a "strict foreclosure," the judge can transfer title to the property as part of the judgment of foreclosure—there is no foreclosure sale.

Nonjudicial Foreclosures

In the remaining states, the foreclosing bank can opt to use an out-of-court (nonjudicial) process to foreclose. With a nonjudicial foreclosure, the bank has to carefully follow a series of steps described in the state statutes to complete the process.

Again, depending on the terms of your loan contract, you might get a breach letter. Also, depending on which state you live in, you might get a preforeclosure notice stating the bank’s intent to file a foreclosure action.

How much time you have from the first formal notice that foreclosure proceedings have started to the date your property will be sold—and the procedures in between—varies from state to state. State law might require:

• a notice of default giving you a certain amount of time to get current on the loan by making up all the back payments and then a notice of sale (if you haven’t brought the loan current by the deadline)
• a combined notice of sale and right to cure telling you that your home will be sold on a certain date unless you make up the missed payments
• a notice of sale, or
• in a couple of states, notice through publication in a newspaper and/or posting on the property or somewhere public.

You can probably count on at least 30 days’ notice before the foreclosure sale after the first official notice. In most states, you’ll get a couple of months. Check your state’s law in our Summary of State Foreclosure Laws to learn the process in your state.

Talking to an Attorney

Foreclosure procedures and timelines are different in each state. To learn exactly what type of notice you’ll receive and how long a foreclosure will take in your state and particular circumstances, consult with a local foreclosure attorney.