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.
Michigan uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
No statutory right to reinstate by paying arrears once foreclosure by advertisement starts — reinstatement before the sale is contractual (most standard mortgages and federal servicing rules allow it). Full payoff always stops the sale. After the sale, the remedy is the statutory redemption period. MCL 600.3204 et seq. (no arrears-cure provision); contract/12 CFR 1024.41
Before the sale: Pay off or reinstate per the mortgage contract before the sheriff's sale (typically ≥4 weeks of published notice, MCL 600.3208).
After the sale: REAL redemption: usually 6 months from the sheriff's sale (1 year low-balance/agricultural; ~30 days if abandoned). Owner keeps title and possession during redemption and redeems for the SALE PRICE + interest + fees — not the full old debt (MCL 600.3240(1)-(2)). MCL 600.3240
Through the last day of the redemption period — the homeowner still owns the house after the auction and can sell it, pay the redemption amount from closing proceeds, and keep the remaining equity. This is the headline Michigan fact.
Want the fuller picture beyond the dates? Read the Michigan foreclosure guide — timeline, rights & options.
Property-tax foreclosure is a separate judicial in-rem process: taxes forfeit to the county on March 1 of year 2, and the owner may redeem until the MARCH 31 immediately following entry of the foreclosure judgment (or 21 days after judgment in contested cases). MCL 211.78g(3); MCL 211.78k
Practitioner estimate: ~4-6 weeks from first published notice to sheriff's sale, then the 6-month redemption — roughly 7-8 months total from first notice to loss of the home for a typical owner-occupant. (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.