State Foreclosure Laws
State law controls much of what happens in foreclosure—your rights in the process, foreclosure procedures, available defenses, whether you're liable for a deficiency judgment after foreclosure, and more.
Get an overview by checking out our 50-state foreclosure charts. Or click on your state link to get to your State Foreclosure Law Center, which has articles about your state's foreclosure procedures, mediation programs, programs providing assistance to struggling homeowners, anti-deficiency laws, and more.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
D.C.
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
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How Judicial Foreclosure Works
Learn the basics about judicial foreclosures.
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How Nonjudicial Foreclosures Work
Learn about nonjudicial foreclosure procedures.
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Learn about foreclosures of homes on Native American land.
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Puerto Rico Foreclosure Process
Learn about the foreclosure of homes in Puerto Rico.
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Special Foreclosure Protections in Colorado, Minnesota, and Nevada
Colorado, Minnesota, and Nevada have laws that provide certain protections to homeowners in foreclosure.
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Key Aspects of State Foreclosure Law: 50-State Chart
Check out this 50-state chart to learn about the important features of each state's foreclosure procedures.
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Summary of State Foreclosure Laws
The information provided in the pages linked to below summarizes some of the important features of each state’s law on foreclosures.
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More Legal Topics
- After Foreclosure
- Alternatives to Foreclosure
- Delaying or Stopping Foreclosure
- Fighting Foreclosure in Court
- Foreclosure and Bankruptcy
- Foreclosure Lawyers & Other Foreclosure Help
- Foreclosure of Mobile and Manufactured Homes
- Foreclosure: The Basics
- Homeowners’ Associations (HOAs & COAs)
- Losing Your Home in a Tax Sale
- Reverse Mortgages
- Tenants and Foreclosure
- Timeshare Foreclosures
- Understanding Mortgages & The Major Players in a Foreclosure
- After Foreclosure
- Alternatives to Foreclosure
- Delaying or Stopping Foreclosure
- Fighting Foreclosure in Court
- Foreclosure and Bankruptcy
- Foreclosure Lawyers & Other Foreclosure Help
- Foreclosure of Mobile and Manufactured Homes
- Foreclosure: The Basics
- Homeowners’ Associations (HOAs & COAs)
- Losing Your Home in a Tax Sale
- Reverse Mortgages
- Tenants and Foreclosure
- Timeshare Foreclosures
- Understanding Mortgages & The Major Players in a Foreclosure
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