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.
A redemption period is time after the sale
It is the window when you may still reclaim the property, usually by paying the loan balance, costs and interest.
Not every state grants one
Many states give no second chance once the auction completes — ownership transfers to the buyer immediately.
From about 10 days to a year
Length depends on the statute, and some states adjust it for primary residences or abandoned property.
| State ▾ | ProcessType ▾ | RedemptionPeriod ▾ | Notes ▾ | SourceName ▾ | SourceURL ▾ |
|---|---|---|---|---|---|
| Alabama | Nonjudicial | 180 days (homestead, mortgages on/after 2016); generally 1 year otherwise | Notice rules apply; homestead mortgages executed on/after 1/1/2016 get 180 days; others up to 1 year | Ala. Code § 6-5-248 | View source |
| Arizona | Nonjudicial | No redemption period | Deed of trust sales are absolute without right of redemption | Ariz. Rev. Stat. § 33-811 | View source |
| Arkansas | Nonjudicial | No redemption period | Most foreclosures use power of sale; no post-sale redemption | Nolo 50‑State Foreclosure Law Chart | View source |
| Colorado | Nonjudicial | No redemption period | Owner has no post‑sale redemption in the common (nonjudicial) process | Nolo 50‑State Foreclosure Law Chart | View source |
| Connecticut | Judicial | Strict foreclosure: until Law Day; Foreclosure by sale: until court confirms sale | CT uses strict foreclosure or foreclosure by sale | Nolo 50‑State Foreclosure Law Chart | View source |
| Delaware | Judicial | Until court confirms the sale | Redemption allowed post‑sale until confirmation | Nolo 50‑State Foreclosure Law Chart | View source |
| Florida | Judicial | Before clerk files the certificate of sale (or time in judgment) | Short window—expires on filing of certificate of sale | Fla. Stat. § 45.0315 | View source |
| Georgia | Nonjudicial | No redemption period | No statutory post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| Idaho | Nonjudicial | No redemption period | No post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| Illinois | Judicial | Limited: only if lender buys at sale and price < total debt (otherwise none) | Primary redemption is pre‑sale; narrow post‑sale scenario | Nolo 50‑State Foreclosure Law Chart | View source |
| Indiana | Judicial | No redemption period | No post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| Iowa | Judicial | Sometimes (case‑specific) | Post‑sale redemption can apply depending on judgment/type of property | Nolo 50‑State Foreclosure Law Chart | View source |
| Kansas | Judicial | Yes (period varies by case) | Judicial foreclosures provide statutory redemption after sale (duration varies) | Nolo 50‑State Foreclosure Law Chart | View source |
| Kentucky | Judicial | Sometimes (case‑specific) | Post‑sale redemption may be available based on circumstances | Nolo 50‑State Foreclosure Law Chart | View source |
| Louisiana | Judicial | No redemption period | Executory proceeding—no post‑sale redemption | Nolo 50‑State Foreclosure Law Chart | View source |
| Massachusetts | Nonjudicial | No redemption period | No post‑sale redemption in power‑of‑sale process | Nolo 50‑State Foreclosure Law Chart | View source |
| Michigan | Nonjudicial | 6 months typical; up to 12 months in some cases | Post‑sale redemption period shown on Sheriff’s Deed; can extend to 12 months in specific scenarios | Michigan MSHDA – Stages of Foreclosure | View source |
| Minnesota | Nonjudicial | 6 months typical; up to 12 months; can be shortened to 5 weeks in some cases | Statutory post‑sale redemption; see Minn. Stat. § 580.23 | Minn. Stat. § 580.23 (MN Revisor) | View source |
| Mississippi | Nonjudicial | No redemption period | No post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| Missouri | Nonjudicial | Sometimes (case‑specific) | Post‑sale redemption may apply depending on circumstances | Nolo 50‑State Foreclosure Law Chart | View source |
| New Jersey | Judicial | Until court confirms the sale (or if lender seeks deficiency) | Redemption allowed up to confirmation/deficiency context | Nolo 50‑State Foreclosure Law Chart | View source |
| North Carolina | Nonjudicial | Upset‑bid period (initial 10 days after report of sale) | Redemption via upset‑bid window; extensions with each qualifying upset bid | Nolo 50‑State Foreclosure Law Chart | View source |
| Ohio | Judicial | Until the court confirms the sale | Borrower may redeem any time before confirmation of sale | Nolo 50‑State Foreclosure Law Chart | View source |
| Pennsylvania | Judicial | No redemption period | No statutory post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| South Carolina | Judicial | No redemption period | No post‑sale redemption; if deficiency sought, a 30‑day upset‑bid period applies | Nolo 50‑State Foreclosure Law Chart | View source |
| Tennessee | Nonjudicial | Yes unless waived in loan documents (commonly waived) | Statutory right may be waived in deed of trust; often waived in practice | Nolo 50‑State Foreclosure Law Chart | View source |
| Texas | Nonjudicial | No redemption period | No post‑sale redemption for deeds of trust (note: tax foreclosures differ) | Nolo 50‑State Foreclosure Law Chart | View source |
| Utah | Nonjudicial | No redemption period | No post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| Virginia | Nonjudicial | No redemption period | No post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| New York | Judicial | No redemption period | No statutory post‑sale redemption in common process | Nolo 50‑State Foreclosure Law Chart | View source |
| Wisconsin | Judicial | No redemption period | WI redemption is pre‑sale (6–12 months before sale), not post‑sale | Nolo 50‑State Foreclosure Law Chart | View source |
Last reviewed: August 2026 by Aldric Property SolutionsReference only — not legal adviceSort by tapping a column headingSwipe the table sideways — the state and the headings stay pinned
Frequently asked
01What is a foreclosure redemption period?
A redemption period is a window of time after the foreclosure sale when you may still reclaim your property—usually by paying the loan balance, costs, and interest. Depending on the state, it could be as short as 10 days or as long as a year.
02Do all states have redemption periods?
No. Many states do not give homeowners a second chance after the foreclosure sale. In those states, once the auction is complete, ownership transfers immediately to the buyer.
03Can redemption periods be shortened or extended?
Yes. Some states extend the redemption period if the home is your primary residence, or shorten it if the property is abandoned. The exact timing depends on state statutes.
04What happens if I can’t redeem?
If the redemption period passes without repayment, you lose ownership of the property permanently. At that point, selling the home on your own is no longer possible.
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.
This page is a general reference for the states Aldric Property Solutions serves. It is not legal, tax or financial advice, and statutes change. Confirm your own situation with a licensed attorney or advisor in your state before acting on anything here.