Foreclosure Redemption Laws by State

Behind on payments? Foreclosure laws are different in every state. Some states give homeowners extra time to buy back their property after a foreclosure sale (this is called a redemption period). Others don’t give you any second chances once the auction is complete.

Knowing your state’s rules can help you understand your options—but it can be overwhelming to figure out on your own. Below is a state-by-state guide to foreclosure redemption periods in the areas we serve. This is a general reference only, not legal advice.

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Foreclosure Redemption Laws by State
State ▾ProcessType ▾RedemptionPeriod ▾Notes ▾SourceName ▾SourceURL ▾
AlabamaNonjudicial180 days (homestead, mortgages on/after 2016); generally 1 year otherwiseNotice rules apply; homestead mortgages executed on/after 1/1/2016 get 180 days; others up to 1 yearAla. Code § 6-5-248View source
ArizonaNonjudicialNo redemption periodDeed of trust sales are absolute without right of redemptionAriz. Rev. Stat. § 33-811View source
ArkansasNonjudicialNo redemption periodMost foreclosures use power of sale; no post-sale redemptionNolo 50‑State Foreclosure Law ChartView source
ColoradoNonjudicialNo redemption periodOwner has no post‑sale redemption in the common (nonjudicial) processNolo 50‑State Foreclosure Law ChartView source
ConnecticutJudicialStrict foreclosure: until Law Day; Foreclosure by sale: until court confirms saleCT uses strict foreclosure or foreclosure by saleNolo 50‑State Foreclosure Law ChartView source
DelawareJudicialUntil court confirms the saleRedemption allowed post‑sale until confirmationNolo 50‑State Foreclosure Law ChartView source
FloridaJudicialBefore clerk files the certificate of sale (or time in judgment)Short window—expires on filing of certificate of saleFla. Stat. § 45.0315View source
GeorgiaNonjudicialNo redemption periodNo statutory post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
IdahoNonjudicialNo redemption periodNo post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
IllinoisJudicialLimited: only if lender buys at sale and price < total debt (otherwise none)Primary redemption is pre‑sale; narrow post‑sale scenarioNolo 50‑State Foreclosure Law ChartView source
IndianaJudicialNo redemption periodNo post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
IowaJudicialSometimes (case‑specific)Post‑sale redemption can apply depending on judgment/type of propertyNolo 50‑State Foreclosure Law ChartView source
KansasJudicialYes (period varies by case)Judicial foreclosures provide statutory redemption after sale (duration varies)Nolo 50‑State Foreclosure Law ChartView source
KentuckyJudicialSometimes (case‑specific)Post‑sale redemption may be available based on circumstancesNolo 50‑State Foreclosure Law ChartView source
LouisianaJudicialNo redemption periodExecutory proceeding—no post‑sale redemptionNolo 50‑State Foreclosure Law ChartView source
MassachusettsNonjudicialNo redemption periodNo post‑sale redemption in power‑of‑sale processNolo 50‑State Foreclosure Law ChartView source
MichiganNonjudicial6 months typical; up to 12 months in some casesPost‑sale redemption period shown on Sheriff’s Deed; can extend to 12 months in specific scenariosMichigan MSHDA – Stages of ForeclosureView source
MinnesotaNonjudicial6 months typical; up to 12 months; can be shortened to 5 weeks in some casesStatutory post‑sale redemption; see Minn. Stat. § 580.23Minn. Stat. § 580.23 (MN Revisor)View source
MississippiNonjudicialNo redemption periodNo post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
MissouriNonjudicialSometimes (case‑specific)Post‑sale redemption may apply depending on circumstancesNolo 50‑State Foreclosure Law ChartView source
New JerseyJudicialUntil court confirms the sale (or if lender seeks deficiency)Redemption allowed up to confirmation/deficiency contextNolo 50‑State Foreclosure Law ChartView source
North CarolinaNonjudicialUpset‑bid period (initial 10 days after report of sale)Redemption via upset‑bid window; extensions with each qualifying upset bidNolo 50‑State Foreclosure Law ChartView source
OhioJudicialUntil the court confirms the saleBorrower may redeem any time before confirmation of saleNolo 50‑State Foreclosure Law ChartView source
PennsylvaniaJudicialNo redemption periodNo statutory post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
South CarolinaJudicialNo redemption periodNo post‑sale redemption; if deficiency sought, a 30‑day upset‑bid period appliesNolo 50‑State Foreclosure Law ChartView source
TennesseeNonjudicialYes unless waived in loan documents (commonly waived)Statutory right may be waived in deed of trust; often waived in practiceNolo 50‑State Foreclosure Law ChartView source
TexasNonjudicialNo redemption periodNo post‑sale redemption for deeds of trust (note: tax foreclosures differ)Nolo 50‑State Foreclosure Law ChartView source
UtahNonjudicialNo redemption periodNo post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
VirginiaNonjudicialNo redemption periodNo post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
New YorkJudicialNo redemption periodNo statutory post‑sale redemption in common processNolo 50‑State Foreclosure Law ChartView source
WisconsinJudicialNo redemption periodWI redemption is pre‑sale (6–12 months before sale), not post‑saleNolo 50‑State Foreclosure Law ChartView source

Last reviewed: October 2025 by Aldric Property Solutions

FAQ

Facing foreclosure in your area?

📌 If you’re at risk of foreclosure, waiting for redemption may not be realistic. Aldric Property Solutions can buy your home before the foreclosure goes through—often in as little as 7–14 days. That means cash in hand and a clean slate.

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