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.
Louisiana uses a judicial (executory process dominates residential) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Louisiana provides NO statutory right to cure or reinstate. Once the lender accelerates, stopping the foreclosure generally requires paying the full accelerated balance, a loss-mitigation agreement, or reinstating under the mortgage contract itself (standard Fannie/Freddie instruments grant a contractual reinstatement right). The statutory notice-of-seizure form (R.S. 13:3852(B)) says residential owners 'may be afforded the opportunity' to bring the account current via loss mitigation — an opportunity, not a right. Federal loss-mitigation rules (12 C.F.R. §1024.41) also apply. No Louisiana cure/reinstatement statute; see La. R.S. 13:3852(B) notice form; contract-based reinstatement only (Nolo/AllLaw)
Before the sale: Equitable only — the owner may pay off the entire accelerated balance plus costs at any time before the sheriff's sale (and may seek to enjoin a defective proceeding under La. C.C.P. arts. 2751-2754).
After the sale: NONE. Louisiana law provides no post-sale right of redemption after a mortgage foreclosure (executory or ordinary); the sheriff's adjudication transfers title. (Tax sales are different — see taxRedemption.) La. Code Civ. Proc. arts. 2751-2754 · https://www.alllaw.com/articles/nolo/foreclosure/foreclosure-in-louisiana.html
The homeowner keeps title until the sheriff's sale/adjudication, so a private sale that closes before the sheriff's sale date lets the owner pay off the mortgage (and satisfy the writ, once seized) and keep remaining equity. After seizure the property is in the sheriff's custody, so any closing must satisfy the writ; after the sheriff's sale there is no redemption and equity is limited to any surplus proceeds after liens and costs.
Want the fuller picture beyond the dates? Read the Louisiana foreclosure guide — timeline, rights & options.
Tax sales through 2025: redeemable for 3 years from recordation of the tax sale certificate (18 months for blighted/abandoned) by paying price, costs, 5% penalty, and 1%/month interest — La. Const. art. VII, §25; La. R.S. 47:2155, 47:2241 et seq. Effective Jan 1, 2026, Louisiana switched to a tax lien certificate system (2024 constitutional amendment; Acts 2024, No. 774, amended by Acts 2025, No. 411): the owner generally still has about 3 years from recordation of the tax lien before enforcement. Because the 2026 framework is new, confirm current deadlines with the parish tax collector or legal aid. La. Const. art. VII, §25; La. R.S. 47:2155; Acts 2024, No. 774 (eff. Jan. 1, 2026)
PRACTITIONER ESTIMATE (not statutory): federal rules generally require 120+ days of delinquency before filing; once the executory-process petition is filed, an uncontested case reaches sheriff's sale in roughly 2-6 months (the 60-day minimum from the writ order plus advertising usually lands 3-5 months). Typically ~6-10 months total from first missed payment if uncontested. (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.