How we verify what's on this site
Foreclosure is a Your-Money-Your-Life topic. A wrong figure or an out-of-date rule can cost someone their home, so we hold this content to a high bar and tell you exactly how we check it.
Last reviewed: 2026-06-08
We tie federal rights to the regulation
Federal mortgage-servicing protections come from Regulation X (12 CFR Part 1024), including the rule that a servicer generally cannot make a first foreclosure filing until the borrower is more than 120 days delinquent, and the loss-mitigation and dual-tracking protections. We describe these against the controlling rule, not from memory, and we flag the exceptions rather than overstating that a protection always applies.
Every state figure is tied to a source and a date
Foreclosure is governed mostly at the state level, and the details — judicial vs. non-judicial process, timelines, cure and reinstatement windows, redemption rights, and deficiency rules — vary widely. Our policy for the state pages, as they roll out, is simple: every legal figure is tied to the underlying statute or a recognized legal source, carries a last-reviewed date, and is reviewed by our editor before it ships. Where a figure isn't yet verified, the page says so instead of showing a number we can't stand behind.
We send you to free, qualified help
No website can replace advice on your specific loan and your specific state. That's why every relevant page points you to a free HUD-approved housing counselor or a licensed attorney in your state. If you ever find an error, tell us at info@foreclosurecalc.com and we will review it promptly.