Summary of State Foreclosure Laws

The linked pages below summarize each state’s foreclosure laws.

If you're in foreclosure, facing foreclosure, or are about to fall behind on mortgage payments, it's crucial that you understand the foreclosure process. The information in the linked pages below summarizes some of the important features of each state's law on foreclosures.

What to Keep In Mind

The linked information contains a summary of your state's laws. It's intended for owners of single-family residences and generally doesn't address special laws, like for agricultural land or the rights of tenants in foreclosed homes owned by their landlords.


Laws change. Foreclosure laws and procedures are complex and subject to change by legislatures and to interpretation by courts.

The linked information likely discusses only the most common method of foreclosure in your state. For example, the linked pages could provide information about nonjudicial foreclosures for the states where that is the most common procedure, even though judicial foreclosures are also allowed.

You can do additional research or talk to a lawyer to get more information. For the above reasons, you should use this information as a starting point for additional research. Citations to each state's statutes are often included so you can look up the laws themselves. To find out specific information about foreclosure laws in your state and how they apply to your particular situation, consult with a local foreclosure attorney.

Links to State-Specific Foreclosure Articles

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

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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