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.
Oregon uses a both — nonjudicial trustee's sale (ORS 86.752 et seq.) is the standard route for residential trust deeds; judicial foreclosure also occurs. After 2012 many lenders briefly went judicial to avoid the resolution-conference requirement, but SB 558 (2013) applied the Oregon Foreclosure Avoidance Program (ORS 86.726) to both tracks. foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
In a nonjudicial foreclosure, the grantor (or a junior lienholder) may cure the default and reinstate the loan — paying the missed amounts plus the trustee's and attorney fees and costs, not the accelerated balance — at any time prior to 5 days before the date last set for the sale. Curing discontinues the foreclosure. Many lenders must also offer a resolution conference under the Oregon Foreclosure Avoidance Program before foreclosing (ORS 86.726). ORS 86.778
Before the sale: Before the trustee's sale: reinstate up to 5 days before the sale (ORS 86.778), or pay off/sell/refinance any time before the sale is held.
After the sale: Nonjudicial trustee's sale: NO post-sale redemption — 'A person whose interest the trustee's sale foreclosed and terminated may not redeem the property from the purchaser' (ORS 86.797). Judicial foreclosure: the judgment debtor may redeem within 180 days after the sheriff's sale (ORS 18.964); lien claimants have 60 days. ORS 86.797 · ORS 18.964 · ORS 18.966
In a nonjudicial foreclosure you can sell or refinance the home (paying the loan in full) at any time up until the trustee's sale is actually held; the cheaper reinstatement option closes 5 days before the sale. In a judicial foreclosure you can sell until the sheriff's sale, and even after it you retain the 180-day statutory redemption right (ORS 18.964).
Want the fuller picture beyond the dates? Read the Oregon foreclosure guide — timeline, rights & options.
Property taxes: after taxes are roughly 3 years delinquent, the county files a judicial tax foreclosure. Properties sold to the county under the judgment are held for 2 years from the date of the judgment of foreclosure, during which the owner may redeem by paying the taxes, interest, and penalties (a shorter period can apply to waste/abandoned property under ORS 312.122). If not redeemed, the county takes the deed. ORS 312.010–312.120 (2-year redemption: ORS 312.120)
Nonjudicial: roughly 6+ months from the recorded Notice of Default to sale in practice (resolution conference where required, plus the mandatory 120-day notice-of-sale period). Judicial foreclosure typically takes longer — often a year or more — plus the 180-day post-sale redemption period. Practitioner estimates; actual timing varies by lender and 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.