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• Real Estate and Other Housing
• Foreclosure
• Foreclosure Steps and Timeline
  
  Foreclosure Steps and Timeline
  
  This article explains the steps and timeline of a foreclosure case from starting to end.
  
  1. Mortgage in default
  
  Default = 1 day previous mortgage due date
• Lender sends Notice of Intent to Foreclose (typically sent 45 days after default) and a loss mitigation application
  
  2. Foreclosure filed in Court
  
  - Lender's law firm 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 must wait 28 days after submitting the Order to Docket before submitting the final loss mitigation affidavit
• Lender should submit the last loss mitigation at least one month before sale
  
  3. Foreclosure mediation (optional step)
  
  - Homeowner must submit mediation request 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 filed
• 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