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.
Maine uses a judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Statutory right to cure: before accelerating or foreclosing on a payment default, the mortgagee must give written notice and the homeowner has at least 35 days after the notice is given to pay all past-due amounts; timely payment restores all rights under the mortgage as though no default occurred. 14 M.R.S. §6111
Before the sale: Yes — the entire redemption structure is pre-sale. After a foreclosure judgment, the homeowner has 90 days from the date of judgment (mortgages on/after 10/1/1975; 1 year for older mortgages) to pay the full amount the court adjudged due, plus interest, and keep the home.
After the sale: No post-sale redemption. Redemption ends when the 90-day post-judgment period expires; the public sale happens afterward (first sale notice published within 90 days after redemption expires, sale 30–45 days after first publication — those sale dates come from the lender's notice, not a formula). Any sale surplus above the debt and costs must be paid to the mortgagor. 14 M.R.S. §6322 · 14 M.R.S. §6323 · 14 M.R.S. §6324
The homeowner can sell the home and keep the equity until the 90-day post-judgment redemption period expires (paying off the judgment amount from sale proceeds). After redemption expires, ownership is lost, but if the foreclosure auction later brings more than the debt plus costs, the surplus must be paid to the former homeowner under 14 M.R.S. §6324.
Want the fuller picture beyond the dates? Read the Maine foreclosure guide — timeline, rights & options.
Municipal tax lien 'mortgage': owner may redeem by paying taxes, interest, and costs within 18 months after the tax lien certificate is filed in the registry of deeds; if unpaid, the lien is automatically deemed foreclosed. Treasurer must send notice 30–45 days before the foreclosure date. 36 M.R.S. §943
Roughly 1–2 years from first missed payment to sale in contested/mediated cases: 35-day cure notice, then court case (Maine's foreclosure mediation program commonly adds several months), judgment, 90-day redemption, then sale within about 90–135 days after redemption expires (practitioner estimate). (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.