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.
Alaska uses a nonjudicial (deed-of-trust trustee sale dominates residential; judicial foreclosure available but rare) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
You can stop the foreclosure and keep your loan by curing the default at ANY time before the sale date: pay all past-due payments (not the accelerated full balance) plus the lender's and trustee's actual attorney fees and foreclosure costs. Exception: if a Notice of Default has been recorded 2 or more times previously under the same deed of trust and you cured each time, the trustee may refuse your payment and proceed with the sale. You can also pay off or refinance the entire loan any time before the sale. AS 34.20.070(b)
Before the sale: Until the trustee sale, you can cure the arrears (reinstate), pay off the loan in full, refinance, or sell the home.
After the sale: NONE after a nonjudicial trustee sale — AS 34.20.090 gives the borrower no right to redeem unless the deed of trust itself grants one (almost none do). The trade-off: the lender cannot get a deficiency judgment against you after a nonjudicial sale (AS 34.20.100). In the rare judicial foreclosure, a 12-month post-sale redemption applies (AS 09.45.190, via execution-sale redemption rules), but the lender may then seek a deficiency. AS 34.20.090 · AS 34.20.100 · AS 09.45.190
You can sell the home and keep your equity any time BEFORE the trustee sale is held. Curing the default (AS 34.20.070(b)) cancels the pending sale and keeps this option alive. After the trustee sale, your title and equity are gone — there is no redemption.
Want the fuller picture beyond the dates? Read the Alaska foreclosure guide — timeline, rights & options.
Municipal property-tax foreclosure is separate and slower: after the municipality gets judgment on the annual foreclosure list, the property is held by the municipality and you have a redemption period of at least 1 year to pay the taxes, penalties, interest, and costs. The clerk must publish notice at least 30 days before the redemption period expires and mail you a copy. AS 29.45.380-29.45.440 (redemption: AS 29.45.400)
Practitioner estimate (not statute): federal rules generally require 120+ days of delinquency before foreclosure starts; the Alaska nonjudicial process itself then takes a minimum of ~90-105 days from recording of the Notice of Default to sale. Realistically about 4-6 months from first missed payment to sale, often longer. (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.