Foreclosure: judicial or nonjudicial?

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When lenders foreclose on a home, the process is either judicial or nonjudicial, depending on state law.

The following map shows which process is applicable in your state. For more information on how each process works, read the Bankrate story “How foreclosure works in your state.”

Foreclosure laws by state
Source: “Recourse and Residential Mortgage Default: Theory and Evidence from U.S. States,” Federal Reserve Bank of Richmond, Va.