| State | Security Insturment | F/C Method | First Legal Action | Months to Complete | Redemption or Confirmation Period | Deficiency Provision | Deficiency Statute Of Limitations |
|---|---|---|---|---|---|---|---|
| AL | Mortgage | Non-Judicial | Publication | 3 | R-12 Months | Allowed | Allowed |
| AK | Deed of Trust | Non-Judicial | Recording NOD | 4 | None | Allowed | Not Pratical |
| AR | Mortgage | Judicial | Complaint | 3 | C-10 Days | Allowed | 1yr NJ, 10yrs J F/C |
| AZ | Deed of Trust | Non-Judicial | Recording NOS | 4 | None | Allowed | 90 Days, 3+Fam |
| CA | Deed of Trust | Non-Judicial | Recording NOD | 4 | None | Probihited | Not Pratical |
| CO | Deed of Trust | Non-Judicial | Filing w/Public Trustee | 5 | R-75 Days | Allowed | 6 Years Default |
| CT | Mortgage | Judicial | Complaint To Sheriff | 6 | None | Allowed | 30 Days fm Law date |
| DE | Mortgage | Judicial | Complaint | 7 | C-30 Days | Allowed | 3 yrs F/C |
| DC | Deed of Trust | Non-Judicial | Recording NOD | 4 | None | Allowed | 3 yrs F/C |
| FL | Mortgage | Judicial | Complaint | 6 | 10-Days | Allowed | 1 yr F/C or 5 yrs Default |
| GA | Security Deed | Non-Judicial | Publication | 3 | None | Allowed | 30 Days F/C |
| HI | Mortgage | Judicial | Complaint | 7 | C-10 Days | Allowed | Jdmt@Sale Conf. 10 yrs |
| ID | Trust Deed | Non-Judicial | Complaint | 6 | None | Allowed | 90 Days F/C |
| IL | Mortgage | Judicial | Complaint | 10 | C-10 Days | Allowed | Jdmt@F/C Sale 20 yrs |
| IN | Mortgage | Judicial | Complaint | 7 | None | Allowed | 10 yrs F/C |
| IA | Mortgage | Judicial | Complaint | 6 | None | Allowed | Not Pratical |
| KS | Mortgage | Judicial | Complaint | 4 | R-6-12 Months | Allowed | Jdmt@F/C 5 yrs |
| KY | Mortgage | Judicial | Complaint | 5 | C-15 Days | Allowed | Jdmt@F/C 15 yrs |
| LA | Varies | Judicial | Petition Exec. Process | 6 | Varies | Varies | 5 yr FC |
| ME | Mortgage | Judicial | Complaint | 10 | None | Allowed | Jdmt@F/C 20 yrs |
| MD | Trust Deed | Non-Judicial | Notice | 4 | C-75-90 Days | Allowed | 3 yrs Rat. Of Auditor's report |
| MA | Mortgage | Non-Judicial | Filing of Complaint | 5 | None | Allowed | 2 yrs F/C |
| MI | Mortgage | Non-Judicial | Publication | 3 | R-6 Months | Allowed | 6 yrs F/C |
| MN | Mortgage | Non-Judicial | Publication | 4 | R-6 Months | Prohibited | Not Pratical |
| MS | Deed of Trust | Non-Judicial | Publication | 3 | None | Allowed | 1 yr F/C |
| MO | Deed of Trust | Non-Judicial | Publication | 3 | None | Allowed | 10 yrs Default |
| MT | Trust Deed | Non-Judicial | Recording NOS | 5 | None | Prohibited | Not Pratical |
| NE | Mortgage | Judicial | Petition | 4 | C-15 Days | Allowed | 90 Days F/C |
| NV | Deed of Trust | Non-Judicial | Recording NOS | 4 | None | Allowed | 6 mos F/C |
| NH | Mortgage | Non-Judicial | Publication | 3 | None | Allowed | 20 yrs Default |
| NJ | Mortgage | Judicial | Complaint | 10 | R-10 Days | Allowed | 90 Days F/C |
| NM | Mortgage | Judicial | Complaint | 6 | R-30/C-10 Days | Allowed | Jdmt@F/C 7 yrs |
| NY | Mortgage | Judicial | Complaint | 10 | None | Allowed | 90 Days From Deed Of Delivery |
| NC | Deed of Trust | Non-Judicial | Notice Of Hearing | 4 | R-10 Days | Allowed | 1 yr From Deed Delivery |
| ND | Mortgage | Judicial | Complaint | 5 | R-60 Days | Prohibited | N/A |
| OH | Mortgage | Judicial | Complaint | 8 | C-45 Days | Allowed | 2 yrs F/C |
| OK | Mortgage | Judicial | Petition | 7 | C-10 Days | Allowed | 90 Days F/C |
| OR | Trust Deed | Non-Judicial | Recording NOS | 5 | None | Allowed | 90 Days F/C |
| PA | Mortgage | Judicial | Complaint | 9 | None | Allowed | 90 Days F/C |
| RI | Mortgage | Non-Judicial | Publication | 3 | None | Allowed | 5 yrs F/C |
| SC | Mortgage | Judicial | Complaint | 6 | None | Allowed | Jdmt@F/C 8 yrs |
| SD | Mortgage | Judicial | Complaint | 5 | R-180 Days | Allowed | Not Pratical |
| TN | Deed of Trust | Non-Judicial | Publication | 3 | None | Allowed | 6yrs default |
| TX | Deed of Trust | Non-Judicial | Publication | 2 | None | Allowed | 2yrs F/C |
| UT | Deed of Trust | Non-Judicial | Recording NOS | 5 | None | Allowed | 90 Days F/C |
| VA | Deed of Trust | \\Non-Judicial | Publication | 3 | None | Allowed | 5 yrs F/C |
| VT | Mortgage | Judicial | Complaint | 10 | R-6 Months | Allowed | Jdmt@F/C 8yrs |
| WA | Deed of Trust | Non-Judicial | Recording NOS | 5 | None | Prohibited | Non-Pratical |
| WV | Deed of Trust | Non-Judicial | Publication | 4 | None | Allowed | 10 yrs F/C |
| WI | Mortgage | Judicial | Complaint | 10 | C-10 Days | Allowed | Non-Pratical |
| WY | Mortgage | Non-Judicial | Publication | 3 | R-4 Months | Allowed | 10 yrs F/C |
