Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Alabama uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
No Alabama statute gives a right to cure/reinstate before the sale. Reinstatement is contract-only: the standard (Fannie/Freddie-style) mortgage requires a 30-day breach letter and typically allows reinstatement; before the sale the homeowner always retains the equitable right to pay off the full loan balance. No statutory provision (confirmed absence per Nolo/AllLaw Alabama foreclosure summaries); breach-letter right arises from the mortgage contract
Before the sale: Equitable redemption only: pay the full outstanding loan balance any time before the foreclosure sale (no statutory installment-cure right).
After the sale: Statutory redemption under Ala. Code §6-5-248: 180 days from sale for residential property with a claimed homestead exemption where the mortgage was executed on/after Jan 1, 2016 (clock starts only when the lender's required notice is given; absolute 1-year cap); 1 year from sale for all other property/older mortgages. Redeemer must pay the purchase price plus lawful charges (interest, taxes, insurance, permanent improvements — §6-5-253), may demand an itemized statement from the purchaser (§6-5-252), and MUST vacate within 10 days of the purchaser's written demand for possession or the right is forfeited (§6-5-251). Ala. Code §6-5-248 · Ala. Code §6-5-251 · Ala. Code §6-5-252 · Ala. Code §6-5-253
The owner can sell the home and keep all equity above the payoff at any time before the foreclosure sale is held. Even AFTER the sale, Alabama's statutory right of redemption is itself an assignable interest — §6-5-248 lets 'transferees' of the debtor or mortgagor redeem — so an owner can sell/assign the redemption right to an investor for cash during the 180-day/1-year window (a sale of the redemption right, not of the house itself).
Want the fuller picture beyond the dates? Read the Alabama foreclosure guide — timeline, rights & options.
3 years from the tax sale to redeem from a private purchaser (any time before title leaves the State if the State bid it in); pay taxes, interest, and costs through the probate judge/county. Judicial redemption may extend this for owners in possession. Ala. Code §40-10-120
ESTIMATE (per Nolo/AllLaw): federal rules bar starting foreclosure until 120+ days delinquent; Alabama's nonjudicial process then requires only ~3 weeks of publication, so a sale can occur roughly 1-2 months after first publication — commonly ~5-7 months total from first missed payment. One of the fastest foreclosure states; no court filing required. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.