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Foreclosure Steps And Timeline
Hermelinda Llanas edited this page 6 days ago
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- Foreclosure Steps and Timeline
Foreclosure Steps and Timeline
This article explains the steps and timeline of a foreclosure case from beginning to end.
1. Mortgage in default
Default = 1 day past mortgage due date
- Lender sends out Notice of Intent to Foreclose (generally sent 45 days after default) and a loss mitigation application
2. Foreclosure filed in Court
- Lender's law office files Order to Docket. - Can submit 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 filing the Order to Docket before submitting the final loss mitigation affidavit - Lender must file the last loss mitigation affidavit at least 30 days before sale
3. Foreclosure mediation (optional action)
- Homeowner should file mediation demand and send a payment of $50, within 25 days of:
- The Order to Docket, if final loss mitigation affidavit served at exact same time - Receipt of last loss mitigation affidavit submitted after the Order to Docket is submitted
- In either case - 25 days from final loss mitigation affidavit
- 45 days after the property owner has been serviced with the Order to Docket if it has a final loss mitigation affidavit submitted with it