Welcome to the Mortgage Help Center!
Are you facing foreclosure and unsure of the difference between judicial and administrative foreclosure? Let us help you understand the process and what it means for you.
Judicial foreclosure is a legal process where the lender must file a lawsuit in court in order to foreclose on a property. This type of foreclosure is typically used when the borrower has defaulted on their mortgage and the lender wants to recoup the remaining balance on the loan. States that use judicial foreclosure include Delaware, Florida, Illinois, and New York.
On the other hand, administrative foreclosure is a non-judicial process where the lender can foreclose on a property without going through the court system. This type of foreclosure is typically used when the borrower has defaulted on their mortgage and the lender wants to quickly recover the remaining balance on the loan. States that use administrative foreclosure include Arizona, California, and Colorado.
The time frame and steps required by the bank to foreclose on a property vary depending on the type of foreclosure and the state laws. However, it’s generally a long process that can take several months to several years.
If you’re facing foreclosure, don’t lose hope! Our team of experts can help you understand your options and take the necessary steps to save your home. We offer a free case evaluation and consultation below to help you understand your rights and the best course of action. Fill out our short form today and let us help you through this difficult time.
Don’t wait, take action now and fill out the short form for a free case evaluation and consultation.
Here is a list of states that use judicial foreclosure:
Alabama
Alaska
Connecticut
Delaware
District of Columbia
Florida
Hawaii
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New Mexico
New York
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Here is a list of states that use administrative foreclosure:
Arizona
California
Colorado
Georgia
Idaho
North Carolina
Nevada
Oregon
South Dakota
Utah
Wyoming
Please note that this list is subject to change and some states may have exceptions or additional requirements. It’s always best to consult with a legal professional or a mortgage expert to know the specific laws of your state. Additionally, some states may have both options (administrative and judicial foreclosure) but in certain cases, one may be used more often than the other.