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.
Missouri uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
No statutory right to cure or reinstate — only what the deed of trust/note and federal servicing rules provide (the standard contract 30-day breach letter). Full payoff before the trustee's sale always stops it. RSMo ch. 443 (no cure provision); contract/12 CFR 1024.41
Before the sale: Pay off (or reinstate if the contract allows) any time before the trustee's sale.
After the sale: Narrow: 1 year, ONLY when the foreclosing lender is the purchaser, and only if written notice of intent to redeem was given at/within 10 days before the sale AND a surety bond is posted within 20 days after (443.410-443.420). If a third party buys, there is no redemption. RSMo 443.410 · RSMo 443.420
Realistically only until the trustee's sale — with ~20-45 days from first notice to auction, list immediately or negotiate a postponement; the conditional 1-year redemption is not a practical way to preserve equity.
Want the fuller picture beyond the dates? Read the Missouri foreclosure guide — timeline, rights & options.
After a collector's tax sale (first/second offerings) the owner or any interested party has an absolute right to redeem within ONE YEAR of the sale (purchase price + up to 10% interest + subsequent taxes + costs), and a defeasible right until the purchaser perfects the deed. RSMo 140.340
Practitioner estimate: about 30-60 days from the contractual breach letter to a completed trustee's sale — among the fastest foreclosures of these ten states; no court case, no confirmation. (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.