Summary of Missouri's Foreclosure Laws

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

  • the most common type of foreclosure procedure (judicial v. nonjudicial) used in Missouri
  • 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 Missouri 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.


State Rule

Most common type of foreclosure process

Nonjudicial under power of sale in deed of trust

Notice of the foreclosure

Foreclosing party must send a notice of sale by registered or certified mail to the borrower not less than 20 days before the sale and publish notice in a newspaper.

Reinstatement of loan before sale

Not available (except as permitted by the terms of the deed of trust)

Redemption after sale

Available for one year after sale if borrower gives a notice of intent to redeem at the sale or within ten days before sale, satisfies bond requirement, and the holder of the debt being foreclosed buys the property at foreclosure sale.

Special protections for foreclosures involving high-cost mortgages


Special state protections for service members


Deficiency judgments

May be obtained in a separate lawsuit

Cash exempted in bankruptcy

$600; $1,200 if married filing jointly; $1,250 for head of family plus $350 per child.

Notice to leave after house is sold

New owner files an unlawful detainer (eviction) lawsuit against the foreclosed homeowner.

Foreclosure statutes

Mo. Rev. Stat. § § 443.290 to 443.440

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