The answer is not the same in two states. The identical missed payment reaches auction in about 150 days in Georgia and takes roughly 1,100 in New Jersey. Find your state, enter what you know, and get every deadline between today and the day you would have to leave — with the statute behind each one.
Built and verifiedCaliforniaFloridaGeorgiaIllinoisNew YorkOhioTexas
Tap or hover any state for its figure. Brighter states are built and verified — the rest are estimates while their statutes are checked. Timelines assume an uncontested mortgage foreclosure with no bankruptcy or military service.
The map shows what you are working against. These are federal, they do not care which state you are in, and most people never find out they exist until it is too late to use them.
A servicer may not make the first notice or filing until the loan is more than 120 days delinquent. It applies in every state, judicial or not, and it is the reason almost no real timeline starts on the day you miss a payment.
What to do: Count 120 days from your first missed payment. Anything that arrives before that is a servicer letter, not a foreclosure.
12 CFR 1024.41(f)(1)If a complete loss-mitigation application lands more than 37 days before the sale, the servicer may not conduct that sale until it has decided the application and let the appeal period run. Complete is the word that matters — a partial packet buys nothing.
What to do: Ask the servicer in writing for the exact list of what makes the file complete, then send everything at once and keep proof of the date.
12 CFR 1024.41(g)A foreclosure on a debt taken on before service, carried out during service or in the year after it ends, is invalid unless a court ordered it or the servicemember waived the protection in writing.
What to do: Tell the servicer and the court in writing that a servicemember is on the loan. The protection is not automatic if nobody knows to apply it.
50 U.S.C. § 3953(c)The automatic stay halts a foreclosure nationwide on filing, before any hearing. It is not permanent and it is weaker if you have filed before — with one case dismissed in the past year the stay ends on day 30 unless a court extends it.
What to do: This is a real tool and a serious step. Talk to a bankruptcy attorney before the sale date, not after it.
11 U.S.C. § 362(a)The Supreme Court held in 2023 that keeping the surplus from a tax sale above the debt is an unconstitutional taking. Surplus after a mortgage sale has long belonged to the former owner. It goes unclaimed constantly because nobody tells the person it exists.
What to do: If the property sold for more than you owed, ask the clerk of court how to claim the surplus, and do it before the deadline in your state.
Tyler v. Hennepin County, 598 U.S. 631 (2023)Building a state means checking every deadline against the statute itself, so they arrive one at a time rather than all at once. One email when yours is live, and nothing else.
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HUD-approved housing counsellors are free in every state and can negotiate with a servicer for you — 1-800-569-4287, or the Homeowner’s HOPE Hotline at 888-995-HOPE, around the clock.
Anyone who contacts you first, guarantees they can stop a sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Every claim carries a date. Each state page is checked line by line against primary statute text, and the check is recorded rather than assumed. Verification is not a finish line — statutes change, dollar figures are indexed, and programmes open and close. Where something is uncertain the page says so instead of guessing.