Title: When Do You Have To Leave Your Home During Foreclosure? | Nolo
Headings: When Do You Have to Leave Your Home When It's in Foreclosure?
When Do You Have to Leave Your Home When It's in Foreclosure?
Find out how much time you have to live in your home after foreclosure starts.
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Foreclosure Begins
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The Foreclosure Sale
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Content: The Foreclosure Sale
You own your property until the title goes to a new owner, usually the foreclosing lender, as a result of a foreclosure sale. You generally may remain in the home until this time. In some states, you may stay in the property through the expiration of a post-sale redemption period (if state law provides one) or until some other action, such as ratification of the sale, occurs. To find out exactly when you have to leave your home during the foreclosure process in your state and get advice specific to your circumstances, talk to a local lawyer. Also, keep in mind that you might be able to delay the sale and extend the amount of time that you can remain in your home by: applying for loss mitigation options (be sure to apply before any deadline under state law or federal law expires)
filling for bankruptcy, or
entering into in an official foreclosure avoidance mediation program if your state has one. You might also have the option to reinstate the loan and stop the sale altogether. Eviction After the Foreclosure Sale
Once your legal right to stay in the home ends, if you don't vacate the property, the new owner (again, often the lender) will start eviction proceedings to remove you from the property. Depending on your state's law and the circumstances of your case, the lender might have the option of initiating the eviction as part of the foreclosure action. Other times it might have to file a separate eviction action with the court.