The foreclosure process in each state is governed, in large part, by that state’s foreclosure laws, which vary widely. Generally, though, the process will either be judicial (through court) or nonjudicial (out of court). In a little fewer than half the states, foreclosures are judicial. In other states, the lender can opt to use an out-of-court process.
If you’re facing a foreclosure, you need to figure out how your foreclosure will proceed under state law before you decide on your next steps. Here, you’ll find details on state foreclosure procedures and learn how to look up the foreclosure statutes in your state so that you can read the laws yourself.