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.
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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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