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• Real Estate and Other Housing
• Foreclosure
• Foreclosure Steps and Timeline
  
  Foreclosure Steps and Timeline
  
  This post explains the actions and of a foreclosure case from beginning to end.
  
  1. Mortgage in default
  
  Default = 1 day previous mortgage due date
• Lender sends Notice of Intent to Foreclose (usually sent out 45 days after default) and a loss mitigation application
  
  2. Foreclosure submitted in Court
  
  - Lender's law office files Order to Docket. - Can submit any time after 45 days from when the Notice of Intent to Foreclose is sent out (or 90 days in default)
  
  - Lender needs to wait 28 days after submitting the Order to Docket before submitting the final loss mitigation affidavit
• Lender needs to submit the final loss mitigation affidavit at least one month before sale
  
  3. Foreclosure mediation (optional step)
  
  - Homeowner must file mediation demand and send out a payment of $50, within 25 days of:
  
  - The Order to Docket, if last loss mitigation affidavit served at exact same time
• Receipt of last loss mitigation affidavit filed after the Order to Docket is filed
• In either case - 25 days from final loss mitigation affidavit
  
  - 45 days after the property owner has been serviced with the Order to Docket if it has a final loss mitigation affidavit filed with it