Foreclosure Steps And Timeline
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  • Foreclosure Steps and Timeline

    Foreclosure Steps and Timeline

    This post describes the actions and timeline of a foreclosure case from beginning to end.

    1. Mortgage in default

    Default = 1 day previous mortgage due date
  • Lender sends out Notice of Intent to Foreclose (normally sent out 45 days after default) and a loss mitigation application

    2. Foreclosure submitted in Court

    - Lender's law practice submits Order to Docket. - Can file any time after 45 days from when the Notice of Intent to Foreclose is sent (or 90 days in default)

    - Lender should wait 28 days after submitting the Order to Docket before filing the final loss mitigation affidavit
  • Lender should submit the final loss mitigation affidavit at least thirty days before sale

    3. Foreclosure mediation (optional step)

    - Homeowner must submit mediation demand and send a payment of $50, within 25 days of:

    - The Order to Docket, if final loss mitigation affidavit served at same time
  • Receipt of last loss mitigation affidavit filed after the Order to Docket is submitted
  • In either case - 25 days from last loss mitigation affidavit

    - 45 days after the property owner has been serviced with the Order to Docket if it has a last loss mitigation affidavit filed with it