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Foreclosure Timeline by State and Jurisdiction Type...

State time frames were established by adding the following time intervals: six months from the date of the first unpaid installment to initiate foreclosure action; a time period, varying by state and method of foreclosure, for lenders to acquire title; and 60 days from title acquisition to submit the claim to the MI.

State	Method of Foreclosure some states have more than one method	Number of Days from the Due Date of the First Unpaid Installment to Claim Filing(1)
Alabama	Power Of Sale	300 Days
Alaska	Trustee Sale Judicial w/Redemption	360 Days 750 Days
Arizona	Trustee Sale Judicial	330 Days 510 Days
Arkansas	Power Sale	360 Days
California	Trustee Sale Judicial w/Redemption	360 Days 960 Days
Colorado	Trustee Sale w/Redemption	405 Days
Connecticut	Strict Foreclosure Power of Sale	420 Days 480 Days
Delaware	Judicial	450 Days
District of Columbia	Trustee Sale	300 Days
Florida	Judicial	450 Days
Georgia	Power of Sale	300 Days
Hawaii	Judicial	420 Days
Idaho	Trustee Sale Judicial w/Redemption	420 Days 600 Days
Illinois	Judicial w/Redemption-Deficiency Judicial w/Redemption Judicial w/Redemption-Abandonment	540 Days 510 Days 450 Days
Indiana	Judicial w/Redemption	480 Days
Iowa	Non-Judicial Judicial w/o Deficiency Judicial w/o Deficiency (Non-Owner-Occupied) Judicial w/Deficiency	360 Days 540 Days 420 Days 720 Days
Kansas	Judicial w/Redemption	510 Days
Kentucky	Judicial	420 Days
Louisiana	Judicial	420 Days
Maine	Judicial w/Redemption	570 Days
Maryland	Trustee Sale w/Redemption	345 Days
Massachusetts	Trustee Sale	450 Days
Michigan	Power of Sale w/Redemption Power of Sale-Abandonment	510 Days 360 Days
Minnesota	Power of Sale w/Redemption Judicial w/Deficiency	510 Days 720 Days
Mississippi	Trustee Sale	300 Days
Missouri	Trustee Sale	300 Days
Montana	Power of Sale Judicial w/Redemption	360 Days 720 Days
Nebraska	Trustee Sale Judicial	330 Days 450 Days
Nevada	Trustee Sale Judicial w/Redemption	360 Days 720 Days
New Hampshire	Power of Sale	300 Days
New Jersey	Judicial w/o Deficiency Judicial w/Deficiency	540 Days 720 Days
New Mexico	Judicial w/Redemption	420 Days
New York	Judicial	540 Days
North Carolina	Trustee Sale	300 Days
North Dakota	Judicial w/Redemption	420 Days
Ohio	Judicial w/Confirmation	510 Days
Oklahoma	Judicial	420 Days
Oregon	Trustee Sale	390 Days
Pennsylvania	Judicial	450 Days
Rhode Island	Power of Sale	300 Days
South Carolina	Judicial w/o Deficiency Judicial w/Deficiency	390 Days 420 Days
South Dakota	Judicial w/Redemption	540 Days
Tennessee	Trustee Sale	300 Days
Texas	Power of Sale	280 Days
Utah	Trustee Sale Judicial w/Redemption	390 Days 570 Days
Vermont	Judicial w/Redemption	480 Days
Virginia	Trustee Sale	300 Days
Washington	Trustee Sale Judicial w/Deficiency	390 Days 750 Days
West Virginia	Trustee Sale	300 Days
Wisconsin	Judicial w/o Deficiency Judicial w/Deficiency	510 Days 690 Days
Wyoming	Power of Sale w/Redemption	465 Days

(1) Add an additional six months if a borrower’s bankruptcy filing prevented timely initiation or completion of foreclosure.