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• Real Estate and Other Housing
• Foreclosure
• Foreclosure Steps and Timeline
  
  Foreclosure Steps and Timeline
  
  This short 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 out Notice of Intent to Foreclose (normally sent out 45 days after default) and a loss mitigation application
  
  2. Foreclosure filed in Court
  
  - Lender's law practice files Order to Docket. - Can submit whenever 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 filing the mitigation affidavit
• Lender must file the final loss mitigation affidavit a minimum of 1 month before sale
  
  3. Foreclosure mediation (optional action)
  
  - Homeowner should submit mediation request 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 final loss mitigation affidavit filed after the Order to Docket is submitted
• In either case - 25 days from final loss mitigation affidavit
  
  - 45 days after the homeowner has actually been serviced with the Order to Docket if it has a final loss mitigation affidavit filed with it