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.
Georgia uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Georgia has NO statutory right to reinstate a defaulted mortgage (aside from limited high-cost home loan rules). Reinstatement is contractual only — most uniform Fannie/Freddie security deeds grant a reinstatement right, and federal servicing rules (12 C.F.R. §1024.41) require review of loss-mitigation applications — check the security deed and ask the servicer. No GA reinstatement statute (see Nolo/AllLaw); Fannie/Freddie uniform security deed reinstatement clause; 12 C.F.R. §1024.41
Before the sale: Equitable right only: the borrower can stop the foreclosure any time before the sale by paying the full accelerated payoff (plus fees/costs), or by reinstating if the contract allows.
After the sale: NONE. Georgia gives no post-sale right of redemption after a nonjudicial mortgage foreclosure — the sale is final when the hammer falls. https://www.alllaw.com/articles/nolo/foreclosure/georgia-foreclosure-laws.html
The home can be sold or refinanced up until the foreclosure auction itself on the courthouse steps (first Tuesday, 10 a.m.–4 p.m.); after the auction it is too late.
Want the fuller picture beyond the dates? Read the Georgia foreclosure guide — timeline, rights & options.
Different from mortgage foreclosure: after a property TAX sale, the owner (or any interest holder) may redeem within 12 months after the sale — and afterward until the purchaser cuts off the right with a barment notice — by paying the tax-sale price plus a 20% premium for the first year (plus 10% for each additional year, plus taxes the purchaser paid and certain costs). O.C.G.A. §48-4-40 (12-month period), §48-4-42 (20% premium), §§48-4-45/46 (barment notice)
Practitioner estimate: one of the fastest states — roughly 37–60 days from the 30-day notice letter to the first-Tuesday auction is possible, since the 30-day notice and the 4 weeks of ads run concurrently. Federal rules generally require the loan to be 120+ days delinquent before the process starts (12 C.F.R. §1024.41(f)). (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.