Non-judicial foreclosure
A foreclosure that skips the courts and follows the power-of-sale process in a deed of trust. Faster and cheaper for lenders. Common in the West.
Every term like this one lights up in the step you're on.
Free to set up. No credit card.Part 1 of 4
Why a seller cares
In a deed-of-trust state the lender can foreclose without a court, on a schedule set by notices. It is fast, sometimes four months from the first notice to the sale, and the window to sell is short.
Part 2 of 4
A simple example
In Arizona a notice of trustee's sale is recorded ninety days before the auction. A seller who lists the day it arrives has about three months.
| The notice | How long is usually left |
|---|---|
| Notice of default | Weeks to a few months before the sale notice |
| Notice of trustee's sale | About 90 days in many states |
| The sale itself | The end, unless a redemption period follows |
Non-judicial foreclosure is a calendar of notices, and each one is a shorter fuse than the last.
Part 3 of 4
What people get wrong
That no court means no rules. The notices and the timelines are strict, and a lender who misses one has to start over.
Part 4 of 4 · where to read next
Where it appears in the sale
What a definition is, and what it isn't
Keighbor is a software company, not a law firm, brokerage, or tax adviser. This is general information, not legal, tax, financial, or real estate advice about your sale. Your situation may differ. Before acting on a contract, disclosure, title, tax, or pricing question, ask an appropriately licensed professional in your state.
Written and researched by Keighbor Research · drawn from the reference glossary · how we research and check what we publish
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