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.
Nebraska uses a both foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Trust-deed track (typical): statutory reinstatement for arrears + costs + trustee's fees within 1 month (2 months agricultural) of the recorded notice of default; curing cancels the proceedings and reinstates the loan (76-1012). Judicial track: redeem the full decree amount before confirmation (25-1530). Neb. Rev. Stat. 76-1012
Before the sale: Trust deed: cure within the 1-month window, or pay the loan in full any time before the trustee's sale. Judicial: pay the decree + interest + costs any time before the court CONFIRMS the sale (25-1530), plus the optional 9-month stay (25-1506).
After the sale: Trust-deed (nonjudicial) sale: NONE — the trustee's deed is final; no statutory post-sale redemption under the Trust Deeds Act. Judicial sale: redemption ends at confirmation of sale, not the auction itself. Neb. Rev. Stat. 76-1012 · Neb. Rev. Stat. 25-1530 · Neb. Rev. Stat. 25-1506
Trust-deed foreclosure: until the trustee's sale (roughly 3+ months after the notice of default given the cure and notice periods) — sell and pay off at closing to keep equity. Judicial foreclosure: until confirmation of sale, with up to 9 extra months if the stay was requested.
Want the fuller picture beyond the dates? Read the Nebraska foreclosure guide — timeline, rights & options.
After a county tax-certificate sale the owner may redeem (taxes + interest + costs) at any time until the purchaser applies for a tax deed or wins foreclosure — the purchaser cannot apply for a deed until 3 YEARS after the sale, so the owner effectively has at least 3 years. Neb. Rev. Stat. 77-1824; 77-1837
Practitioner estimate: trust-deed track ~3-5 months from recorded notice of default to trustee's sale (1-month cure + notice/publication + sale); judicial track ~6-18 months, longer if the 9-month stay is invoked. (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.