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• Real Estate and Other Housing
• Foreclosure
• Foreclosure Steps and Timeline
  
  Foreclosure Steps and Timeline
  
  This short article describes 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 out 45 days after default) and a loss mitigation application
  
  2. Foreclosure filed in Court
  
  - Lender's law office submits Order to Docket. - Can submit at any time after 45 days from when the Notice of Intent to Foreclose is sent out (or 90 days in default)
  
  - Lender should wait 28 days after filing the Order to Docket before filing the last loss mitigation affidavit
• Lender needs to file the last loss mitigation affidavit a minimum of one month before sale
  
  3. Foreclosure mediation (optional action)
  
  - Homeowner must file mediation request and send a payment of $50, within 25 days of:
  
  - The Order to Docket, if last loss mitigation affidavit served at same time
• Receipt of last loss mitigation affidavit submitted after the Order to Docket is submitted
• In either case - 25 days from last loss mitigation affidavit
  
  - 45 days after the homeowner has been serviced with the Order to Docket if it has a final loss mitigation affidavit filed with it