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.
Rhode Island uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Rhode Island has NO statutory right to cure or reinstate a mortgage default (former pre-foreclosure counseling/mediation notice statutes §§34-27-3.1 and 34-27-3.2 were repealed in 2024; mediation now lives in §34-27-9). Reinstatement may still be available under the mortgage contract itself (e.g., the standard Fannie/Freddie reinstatement clause) — homeowners should check their loan documents and the breach letter. R.I. Gen. Laws ch. 34-27 (no cure provision); §§34-27-3.1, 34-27-3.2 [repealed, P.L. 2024, ch. 403]
Before the sale: Equitable right of redemption: the homeowner may redeem by paying the full mortgage debt at any time before the foreclosure sale.
After the sale: None. Rhode Island provides no statutory post-sale redemption after a nonjudicial power-of-sale mortgage foreclosure. R.I. Gen. Laws §34-27-4 (power of sale extinguishes redemption at sale)
Practically, the owner can sell the home and keep any equity up until the foreclosure auction is held; after the sale, equity above the debt goes through surplus-distribution, not to a right to reclaim the home.
Want the fuller picture beyond the dates? Read the Rhode Island foreclosure guide — timeline, rights & options.
After a §44-9 tax sale, the owner (and others entitled to notice) may redeem at any time prior to the filing of the petition to foreclose, by paying the sale amount plus intervening taxes, interest at 1% per month, costs, and the §44-9-19 penalty (§44-9-21). The tax-sale purchaser must wait 1 year after the sale before petitioning Superior Court to foreclose the right of redemption (§44-9-25). Even after the petition is filed, a party may still offer to redeem in the proceeding on or before the return day, or later if the court allows on a motion made before the return day — so redemption is practically available until the Superior Court forecloses it by decree (§44-9-29). Court-set dates in the tax case (return day, any extension) come from the court papers. R.I. Gen. Laws §§44-9-19, 44-9-21, 44-9-25, 44-9-29
Federal rules (12 C.F.R. §1024.41) generally require the loan to be more than 120 days delinquent before foreclosure starts; the mediation notice/conference adds up to ~60 days and the notice-of-sale/publication sequence at least ~51 more, so an uncontested RI foreclosure commonly runs roughly 6–9 months from first missed payment to auction (practitioner estimate). Judicial foreclosure is technically also available but nonjudicial power of sale is the standard route. (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.