Most home loans are foreclosed by a trustee sale with no court case. The lender records a notice of default that names the sale date, mails it to you within 30 days, and waits at least 60 days. You can catch up any time before the sale, but once the sale happens there is no right to buy the home back. A shortfall claim must be brought within 12 months and is limited by the home’s fair market value.
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.
Four dates decide an Arkansas case. The day the notice of default is recorded, because the sale cannot come sooner than 60 days later. The day before the sale, the last chance to catch up. Thirty days after the sale, when a claim that the lender skipped a required step closes. And twelve months after the sale, when a shortfall claim expires. Taxes work differently: the State auctions a parcel no sooner than a year after certification, and you can redeem until the day before.
Rights that exist because the property is in Arkansas, whatever a servicer tells you on the phone.
Regional legal aid programmes take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programmes state by state.
HUD-approved housing counsellors are free in every state — 1-800-569-4287. Some courts and counties run foreclosure mediation or settlement programmes; ask the court clerk 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 Arkansas foreclosure attorney confirm anything that matters before you act.
Short answers, each one sourced to the statute cited on this page.
A typical Arkansas statutory foreclosure runs roughly 227 days from the first missed payment to the trustee sale. The sale cannot be held until at least 60 days after the notice of default is recorded, and the notice must be published for four consecutive weeks. Ark. Code 18-50-104 and 18-50-105.
Yes. You may cure the default at any time before the sale by paying what is past due plus costs. Ark. Code 18-50-114.
Not after a statutory foreclosure sale. A sale under the Statutory Foreclosure Act carries no right of redemption, and a challenge to a defective sale must be brought within 30 days. A judicial foreclosure carries a one year redemption right unless it is waived. Ark. Code 18-50-108, 18-50-116 and 18-49-106.
Only within limits. A deficiency claim after a statutory foreclosure must be brought within 12 months of the sale, and the amount is limited by the statute. Ark. Code 18-50-112.
Delinquent taxes are certified to the Commissioner of State Lands, who cannot sell until at least a year after certification. You can redeem until 4 p.m. on the last business day before the sale. Ark. Code 26-37-101 and 26-37-202.