Alaska lets you catch up right until the sale, then there is no buying it back.
A trustee sale with no lawsuit. The notice of default must be recorded at least 90 days before the sale and mailed to you within 10 days, and you can stop the sale by paying what is past due plus the costs actually incurred any time before the sale date. After the sale there is no right to buy the home back, but the lender cannot sue you for a deficiency either.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Two dates decide an Alaska case. The recording of the notice of default, which must come at least 90 days before the sale. And the sale date printed in that notice, because you can cure any time before it and never after.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
What Alaska gives you
Rights that exist because the property is in Alaska, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the 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.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a Alaska foreclosure attorney confirm anything that matters before you act.
Questions people ask about Alaska foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in Alaska?
With no delays or disputes, an Alaska trustee sale runs roughly 211 days from the first missed payment. The trustee records a notice of default not less than 30 days after the default and not less than 90 days before the sale, and the sale is published for four weeks. AS 34.20.070 and 09.35.140.
Can I catch up before an Alaska trustee sale?
Yes. At any time before the sale you can pay what is past due plus attorney and other foreclosure fees actually incurred, and the trustee must stop the sale. The trustee may refuse if a notice of default was recorded and cured twice before. AS 34.20.070(b).
Is there redemption after an Alaska trustee sale?
No. There is no right to redeem after a trustee sale unless the deed of trust says so, and the lender cannot get a deficiency judgment either. AS 34.20.090 and 34.20.100.
Can an Alaska lender come after me for the shortfall?
Not after a trustee sale under a deed of trust. In a court foreclosure a deficiency may be enforced by execution. AS 34.20.100 and 09.45.180.
How long do I have to redeem after an Alaska tax foreclosure?
The municipality holds the property for at least one year after the judgment, and you can redeem until the redemption period expires 30 days after the first published notice. After that you may still repurchase for up to 10 years unless the municipality keeps it for public use. AS 29.45.400, 29.45.440 and 29.45.470.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against Alaska law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.