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.
Ohio uses a judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Ohio has no statutory right to reinstate by paying only the arrears; reinstatement before judgment depends on the mortgage contract and federal servicing rules (many servicers accept reinstatement). Statutory redemption requires depositing the FULL judgment, costs, poundage, and 8% interest before confirmation. ORC 2329.33 (redemption; no arrears-only cure statute)
Before the sale: Any time before the sheriff's sale the owner can pay the full judgment, interest, and costs to stop the sale; equitable redemption survives until confirmation.
After the sale: Between the auction and the court's confirmation of sale only — deposit judgment + costs + 8% interest with the clerk (ORC 2329.33). NO redemption after confirmation. ORC 2329.33
The owner holds title until the court confirms the sale and the deed is delivered, so a sale/payoff that clears the judgment is possible up to confirmation — practically, list and close before the auction date; the post-auction window before confirmation is short and unpredictable.
Want the fuller picture beyond the dates? Read the Ohio foreclosure guide — timeline, rights & options.
In county tax foreclosure the owner may redeem (pay all taxes, penalties, costs) any time before the court files the entry of confirmation of the tax sale, or before expiration of the alternative redemption period for abandoned land under ORC 323.78. ORC 5721.25
Practitioner estimate: roughly 6-12+ months from filing to confirmation for a contested residential case; ~28-day answer window, judgment, sale scheduling, then confirmation ~30-90 days after auction. Varies widely by county. (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.