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.
Utah uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Trustor, successor in interest, or junior lienholder may cure the default and reinstate the loan by paying the past-due amounts plus actual costs and trustee's/attorney fees within 3 months after the Notice of Default is recorded; upon cure the loan is reinstated as if no acceleration had occurred. Unlike some states, the statutory cure right does NOT run to the eve of sale — it is limited to the 3-month window (after that, only a full payoff or lender agreement stops the sale). Utah Code §57-1-31(1)
Before the sale: Statutory cure (arrears only) during the 3 months after the Notice of Default; after that, full payoff (or lender agreement) any time before the trustee's sale.
After the sale: None after a trustee's (nonjudicial) sale — the trustee's deed conveys title 'without right of redemption.' Judicial foreclosure (rare): property may be redeemed by the debtor or junior lienholders within 180 days after the sale under Utah R. Civ. P. 69C. Utah Code §57-1-28(3) · Utah R. Civ. P. 69C
The homeowner can sell or refinance the home up until the trustee's sale takes place (after the 3-month cure window this requires paying the loan off in full, since arrears-only reinstatement has expired).
Want the fuller picture beyond the dates? Read the Utah foreclosure guide — timeline, rights & options.
Delinquent property taxes do not trigger a quick sale: the property may be redeemed on behalf of the record owner by any person at any time before the county's final tax sale, which is held in May or June following the lapse of four years from the date the taxes became delinquent, by paying all delinquent taxes, tax notice charges, interest, penalties, and administrative costs. Utah Code §59-2-1346; §59-2-1351
Roughly 4–5 months from the recorded Notice of Default to the trustee's sale in an uncontested case: the mandatory 3-month cure period, then ~3–5 weeks of Notice of Sale advertising (3 weekly publications, last one 10–30 days before sale; posting 20+ days before sale). A 30-day pre-foreclosure notice generally precedes the Notice of Default. Practitioner estimate. (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.