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How long does the foreclosure process usually take?  


From the time you miss your first payment to the final foreclosure sale, its not uncommon for five months or more to pass. In some states this could be more and in others considerably less. It will also depend a great deal on your mortgage holder and how aggressively they pursue your case.


Each state governs the foreclosure process differently. As a minimum, the law requires that the borrower receive sufficient warning or notice before the foreclosure can take place. Other rights and responsibilities may be outlined in the mortgage or loan documents you signed when you purchased the home. Each States process varies but usually takes 3-12 months from the time the first document is filed in the Superior Court.


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