lawyer

#State Foreclosure Laws - Summaries and Legal Reseach Information.

Talk to a Foreclosure Lawyer

The foreclosure process in each state is governed, in large part, by that state’s foreclosure laws. Each state’s foreclosure law is different. By reviewing your state’s foreclosure law, you can find out:

• how much notice you are entitled to before your home is sold in a foreclosure
• how much notice you are entitled to before you are evicted after a foreclosure sale
• how much time you have to reinstate or redeem your mortgage after a default (if your state provides such rights)
• whether your lender can sue you for a deficiency judgment and if so, under what conditions, and
• what special protections you are entitled to if you have a high-cost mortgage (one with a much higher interest rate than normal).

Most, if not all, state statutes are available online. You'll also find your state’s statutes at a law library or possibly even at your local public library.

Keep in mind that federal law also imposes some requirements on mortgage lenders and servicers in the foreclosure process. To learn more, see Nolo's New Foreclosure Laws Settlements topic area.)

How to Find Your State's Foreclosure Laws

There are two ways to find your state’s statutes on foreclosure. By browsing through the various subject headings of the statutes (statutes are usually organized hierarchically by numbered title, article, chapter, and section), or by searching online for the keywords you're interested in.

You can find a summary of your state's foreclosure laws by clicking on the links below.