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.
Virginia uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Virginia has NO statutory right to cure or reinstate a defaulted mortgage. Any reinstatement right comes only from the loan contract — most standard deeds of trust (Fannie/Freddie uniform instruments) allow reinstatement up to shortly before sale. Check your deed of trust and ask the servicer for a reinstatement quote. No Virginia reinstatement statute; contract-based only (Va. Code §55.1-320 — deed of trust terms control; Nolo, Virginia Foreclosure Laws)
Before the sale: Until the trustee's sale is actually held, the equitable right of redemption remains: pay off the full loan balance plus fees/costs and stop the foreclosure. No statutory deadline shorter than the sale itself.
After the sale: NONE. Virginia provides no post-sale right of redemption after a nonjudicial trustee sale. Once the auction hammer falls, the home is gone. Va. Code §55.1-320 et seq. (no redemption provision after trustee sale) · Nolo, Virginia Foreclosure Laws
The owner can sell the home (or refinance/pay off) and keep the equity at any time up until the trustee's foreclosure sale is actually held — even during the 60-day notice and advertising period. After the sale, title passes to the auction buyer; any surplus above the debt and costs is paid through the trustee's accounting.
Want the fuller picture beyond the dates? Read the Virginia foreclosure guide — timeline, rights & options.
Virginia collects delinquent property taxes through a JUDICIAL sale (bill in equity) under Va. Code §58.1-3965 et seq. The owner (or heirs/successors) may redeem at any time BEFORE the date set for the judicial sale by paying into court all taxes, penalties, interest, and costs including publication costs and reasonable attorney fees. No post-sale redemption once the judicial sale is confirmed. Va. Code §58.1-3965; Va. Code §58.1-3974 (statute text verified)
PRACTITIONER ESTIMATE (not statutory): Virginia is one of the fastest foreclosure states. Federal rules (12 C.F.R. §1024.41) generally bar starting foreclosure until 120+ days delinquent; after that, the 60-day owner-occupied notice plus 2-4 weeks of advertising can complete a sale in as little as 60-90 days. Total from first missed payment to sale: roughly 6-8 months, sometimes faster. (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.