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.
North Dakota uses a judicial (power-of-sale foreclosure is limited to state-held mortgages, N.D.C.C. §35-22-01; all private mortgages must be foreclosed by action) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Yes — statutory. Paying the amounts listed in the pre-foreclosure notice within 30 days of its mailing/service reinstates the mortgage as if no default occurred, and the lender cannot file suit until that 30-day window has run. N.D.C.C. §§32-19-20, 32-19-21(4), 32-19-28
Before the sale: The owner can cure within 30 days of the pre-foreclosure notice, and can pay off the full debt or sell the home any time before the sheriff's sale.
After the sale: 60 days after the sheriff's sale for most property, paying the amount bid plus interest at the mortgage rate; agricultural land: 365 days from filing of the summons/complaint (never earlier than 60 days after sale). Redemption can be eliminated if the court finds the property abandoned (§32-19-19). The owner is entitled to possession and use of the property during the redemption period. N.D.C.C. §32-19-18 · N.D.C.C. §32-19-18.1 · N.D.C.C. §32-19-19
The owner can sell and keep equity any time up to the sheriff's sale — and even after the sale the redemption right survives a transfer: §32-19-18 lets 'a party in a foreclosure action or the successor of a party' redeem, so the owner can sell/assign their interest during the 60-day redemption window and the buyer can redeem. Any surplus from the sheriff's sale above the debt also belongs to the owner.
Want the fuller picture beyond the dates? Read the North Dakota foreclosure guide — timeline, rights & options.
The county holds a tax lien. Once taxes are 2+ years past due, the county auditor serves a notice of foreclosure of tax lien on or before June 1 (personal service if a residential building is on the property), and the owner can redeem by paying the amount in the notice any time before the foreclosure date — October 1 after the notice. After that a tax deed issues to the county. In practice this means roughly 3 years of delinquency before title is lost. N.D.C.C. §§57-28-01, 57-28-02, 57-28-04, 57-28-09
Practitioner estimate (not statute): ~5-9 months from serious default to sheriff's sale in an uncontested case — 30-90 day pre-foreclosure notice, then court action (roughly 2-4 months to judgment if uncontested), then the advertised sale — followed by the 60-day redemption period before the sheriff's deed issues. (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.