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.
Pennsylvania uses a judicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Right to cure a residential mortgage default by paying all arrears, costs, and late charges (no acceleration) at any time until one hour before bidding begins at the sheriff's sale; restores the loan as if no default occurred; maximum three times per calendar year. 41 P.S. §404; 10 Pa. Code ch. 7
Before the sale: Cure (arrears only) or full payoff any time until one hour before bidding (41 P.S. §404).
After the sale: NONE for mortgage foreclosure — Pennsylvania has no post-sheriff's-sale redemption of a mortgage foreclosure; the sale is final once completed/deed delivered. 41 P.S. §404 · Philadelphia Sheriff's Office / PA practice guides (no mortgage-sale redemption)
The homeowner can sell and keep the equity any time before the sheriff's sale (payoff at closing cures everything); after the hammer falls there is no redemption, so the sale date is the hard deadline.
Want the fuller picture beyond the dates? Read the Pennsylvania foreclosure guide — timeline, rights & options.
Depends on which tax-sale law applies: municipal-claim sheriff sales (e.g., Philadelphia, Allegheny) allow redemption within 9 MONTHS of the sale if the property was owner-occupied in the 90 days before sale (53 P.S. §7293); Real Estate Tax Sale Law 'upset sales' in most other counties have NO post-sale redemption — pay before the sale. 53 P.S. §7293; 72 P.S. §5860.501 et seq.
Practitioner estimate: about 9-18 months from Act 91 notice to sheriff's sale for an occupied home, driven by county sheriff-sale calendars and Philadelphia's diversion program; can be faster in small counties. (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.