Foreclosure Laws by State
State-by-state foreclosure timelines, homeowner protections, and free legal resources. Every claim cited to its source statute.
Foreclosure laws vary widely, and so does how long foreclosure takes, depending largely on whether your state uses judicial or non-judicial processes. Nationally, properties with a foreclosure filing were up 15% from a year earlier in Q2 2026, according to ATTOM, and FHA delinquency was 11.79% in Q2 2026 in the Mortgage Bankers Association National Delinquency Survey. See our Foreclosure Statistics 2026 and Mortgage Delinquency Statistics for the national picture.
Timelines: "ATTOM average" is ATTOM's measured average for foreclosures completed in that quarter, from the start of the foreclosure process to completion; ATTOM publishes it for the states with the longest and shortest averages. For every other state, the state page lists each step the law sets, with its own minimum, instead of one total.