Alaska · Facing foreclosure

Facing Foreclosure in Alaska? Know Your Timeline and Options.

Here’s the real Alaska foreclosure timeline and your real options — including selling and keeping your equity before the fees and interest take it.

  • Close in as few as 7 days
  • You pick the closing date
  • Sell as-is, any condition
  • Zero fees, zero commissions
Free tools & info

Know where you stand in Alaska

This is a free educational guide — no signup, nothing to fill out.

Use the free Alaska tools below to understand your timeline and options, then read the guide. When you're ready to talk to a buyer, the resources here point you to legitimate help.

Alaska Foreclosure Deadline Calculator → See the Alaska home-sale cost breakdown →
Free help: find a HUD-approved housing counselor
What Alaska law actually says

Facing foreclosure in Alaska.

Straight answers, each tied to the exact statute. This is general information, not legal advice — confirm the specifics with your attorney.

How does foreclosure work in Alaska?

Alaska uses a nonjudicial (deed-of-trust trustee sale dominates residential; judicial foreclosure available but rare) foreclosure process. You can sell the home and keep your equity any time BEFORE the trustee sale is held. Curing the default (AS 34.20.070(b)) cancels the pending sale and keeps this option alive. After the trustee sale, your title and equity are gone — there is no redemption.

Can you catch up and keep your home?

You can stop the foreclosure and keep your loan by curing the default at ANY time before the sale date: pay all past-due payments (not the accelerated full balance) plus the lender's and trustee's actual attorney fees and foreclosure costs. Exception: if a Notice of Default has been recorded 2 or more times previously under the same deed of trust and you cured each time, the trustee may refuse your payment and proceed with the sale. You can also pay off or refinance the entire loan any time before the sale.

Until when can you sell and keep your equity?

You can sell the home and keep your equity any time BEFORE the trustee sale is held. Curing the default (AS 34.20.070(b)) cancels the pending sale and keeps this option alive. After the trustee sale, your title and equity are gone — there is no redemption. See your exact dates with the free Alaska Foreclosure Deadline Calculator.

The honest math on a Alaska foreclosure

Every day you carry the loan, arrears, fees, and interest grow. A traditional listing takes weeks to market and 30–45 more days for a financed buyer to close — time you may not have before the sale date.

A cash sale that closes before the sale date lets you walk away with your equity instead of losing it at auction. Talk to a free HUD counselor too — you may have options beyond selling.

Know your Alaska timeline and options

Free, statute-based planning tools — see your exact deadlines and the real cost of each path before you decide anything.

Alaska Foreclosure Deadline Calculator →