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STATE *Amount of Any Homestead Exemption Waiver of Exemption Allowed? Type of Security Instrument Judicial or Non-Judicial **Average Time To Forelose
Alabama$ 5,000YesMortgageNon-Judicial2 mos.
Alaska$ 54,000YesDeed of TrustNon-Judicial4 mos.
Arizona$ 100,000YesDeed of TrustNon-Judicial3 mos.
Arkansas$ 2,500YesMortgageJudicial4 mos.
California$ 50,000YesDeed of TrustNon-Judicial4 mos.
Colorado$ 30,000YesDeed of TrustNon-Judicial4 mos.
Connecticut$ 75,000YesMortgageJudicial6 mos.
DelewareNo LegislationN/AMortgageJudicial4 mos.
D.C.No LegislationN/ADeed of TrustNon-Judicial2 mos.
FloridaUnlimited (<160 acres)NoMortgageJudicial8 mos.
Georgia$ 5,000YesSecurity DeedNon-Judicial3 mos.
Hawaii$ 20,000 & $ 30,000YesMortgageNon-Judicial4 mos.
Idaho$ 50,000YesDeed of TrustNon-Judicial5 mos.
Illinois$ 7,500YesMortgageJudicial8 mos.
Indiana$ 7,500YesMortgageJudicial8 mos.
IowaUnlimited (=1/2 acre)YesMortgageJudicial6 mos.
KansasUnlimited (= 1 acreYesMortgageJudicial4 mos.
Kentucky$ 5,000YesMortgageJudicial5 mos.
Louisiana$ 15,000YesMortgageJudicial3 mos.
Maine$ 12,500 - $ 60,000YesMortgageJudicial8 mos.
Maryland$ 3,000NoDeed of TrustNon-Judicial3 mos.
Massachusetts$ 50,000YesMortgageJudicial4 mos.
Michigan$ 3,500YesMortgageNon-Judicial2 mos.
MinnesotaUnlimited (<1/2 acre)yesMortgageNon-Judicial3 mos.
Mississippi$ 75,000YesDeed of TrustNon-Judicial2 mos.
Missouri$ 8,000YesDeed of TrustNon-Judicial2 mos.
Montana$ 60,000YesDeed of TrustNon-Judicial5 mos.
Nebraska$ 10,000YesDeed of TrustJudicial5 mos.
Nevada$ 125,000YesDeed of TrustNon-Judicial4 mos.
New Hampshire$ 30,000YesMortgageNon-Judicial2 mos.
New JerseyNo LegislationN/AMortgageJudicial9 mos.
New Mexico$ 30,000YesMortgageJudicial4 mos.
New York$ 10,000YesMortgageJudicial9 mos.
North CarolinaAt Least $ 1,000YesDeed of TrustNon-Judicial2 mos.
North Dakota$ 80,000YesMortgageJudicial4 mos.
Ohio$ 5,000NoMortgageJudicial8 mos.
OklahomaUnlimited ( = 1 acre )YesMortgageJudicial6 mos.
Oregon$ 25,000NoDeed of TrustNon-Judicial5 mos.
PennsylvaniaNo LegislationN/AMortgageJudicial6 mos.
Rhode Island$ 0.00N/AMortgageNon-Judicial2 mos.
South Carolina5,000NoMortgageJudicial6 mos.
South Dakota30,000YesMortgageJudicial10 mos.
Tennessee$ 5,000YesDeed of TrustNon-Judicial2 mos.
TexasUnlimited ( = 1 acre )NoDeed of TrustNon-Judicial2 mos.
Utah$ 10,000YesDeed of TrustNon-Judicial4 mos.
Vermont$ 75,000YesMortgageJudicial9 mos.
Virginia$ 5,000YesDeed of TrustNon-Judicial2 mos.
Washington$ 30,000YesDeed of TrustNon-Judicial4 mos.
West Virginia$ 5,000YesDeed of TrustNon-Judicial2 mos.
Wisconsin$ 40,000YesMortgageJudicial14 mos.
Wyoming$ 10,000YesMortgageNon-Judicial5 mos.
* In some states, the exemption increases if a husband and wife or children occupy the property.
** These times may increase for various reasons including if: the foreclosure is contested; there are any defects in the security instruments; there are problems with any required service of process; continuances are granted; etc.
*** In South Carolina, typically can pay forfeiture in four equal monthly installments after the 30 days have elapsed.













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