Every state has it’s own foreclosure laws and keeping track can be confusing. Especially for a homeowner that is just trying to get information to save tier home. Many don’t have money to pay for a lawyer, let alone the mortgage payment.

For instance did you know that in Alabama, late-paying homeowners can lose their properties to foreclosure at breathtaking speed – as little as 30 days after a delinquency notice is published.

In New York State, the process can drag on for well more than a year!

California, where foreclosure might come as soon as 120 days following the delinquency notice.

In many states, the process can be even quicker. At 30 days, Alabama may be the knock out speed champ but other states with deeds of trust are not far behind. In New Hampshire, Mississippi and others, it takes as little as 60 days. All these states use deeds of trust.

States with long time frames include Vermont (210 days), Florida and Nebraska (180 days). New York, at 12 to 19 months, is the state with the longest typical time frame.

With laws varying in each state, it’s best to know the exact time frames that you have to work with. So research your local laws with the friendly help of Google search and you will at least know how much time is on your side. But remember this is not a time to get complacent!