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.
Washington uses a nonjudicial (deed of trust, dominant method; judicial foreclosure rare) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Borrower (or junior lienholders/guarantors) may reinstate by paying the defaulted amounts plus trustee's fees and costs at any time prior to the 11th day before the scheduled (or continued) sale, which discontinues the sale. RCW 61.24.090
Before the sale: No separate pre-sale redemption right; before the sale the borrower may reinstate (until 11 days before sale) or pay the loan in full any time before the sale.
After the sale: NONE after a nonjudicial trustee's sale — 'no person shall have any right, by statute or otherwise, to redeem the property sold at the trustee's sale' (the trade-off: no deficiency judgment on the homeowner's deed of trust). After a rare JUDICIAL foreclosure sheriff's sale, the owner may redeem within 8 months if the lender waived a deficiency judgment (non-agricultural), otherwise within 1 year. RCW 61.24.050 · RCW 6.23.020
The homeowner can sell or refinance (paying off the loan) at any time up until the trustee's sale is actually held; after the auction there is no redemption and title passes to the buyer (former owner is entitled to surplus proceeds, if any).
Want the fuller picture beyond the dates? Read the Washington foreclosure guide — timeline, rights & options.
County treasurer issues a certificate of delinquency after 3 years of delinquent property taxes (RCW 84.64.050) and forecloses judicially. The owner (any person with a recorded interest) may redeem by paying all taxes, interest, and costs at any time before the day of the tax sale (RCW 84.64.060). No redemption after the tax sale. RCW 84.64.050; RCW 84.64.060
By statute the sale cannot occur less than 190 days from the date of default; a typical owner-occupied nonjudicial foreclosure runs roughly 6-8 months from the pre-foreclosure letter to sale (30-90 days pre-NOD contact + ≥30 days NOD-to-NOTS + ≥120 days NOTS-to-sale), and often longer with mediation or continuances (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.