Trustee sale deadline calculator

It depends entirely on the state. Arizona: until 5:00 p.m. on the last business day before the sale; California: until five business days before the date set in the first notice of sale; Montana: any time before the hour fixed for the sale; Nebraska: within one month of the notice of default being recorded (two in some cases); Nevada: 35 days to make good the default after the notice is recorded. The calculator turns the rule into a date from the sale date on the notice.

In some states, no. California counts five business days back from the date in the first recorded notice of sale, and Washington from the date in the recorded notice, so a postponement does not reopen the window. Oregon counts from the date last set, so a postponement moves it. Where the first date matters, the calculator asks for it.

In calendar days, not counting the sale day: 91 days before October 13 is July 14. Where a statute says business days, weekends and federal holidays are skipped. Where the wording leaves room for doubt, we give the earlier date for anything a homeowner must do, so acting by our date is never late by the statute's.

No. It applies the sentence of law it quotes to the date you enter, and a statute carries exceptions a calculator cannot see — bankruptcy, a mediation program, a loan-modification review. For a deadline that decides whether you keep a home, confirm it with a lawyer or a HUD-approved housing counselor.

The calculator covers the 15 deed-of-trust states whose code we quote from the state's own site. Tennessee is omitted: Tennessee publishes its official code only through LexisNexis's access-controlled portal, so we cannot quote it from the state's own page. We do not cite a republisher in its place. States that foreclose through the courts do not hold trustee sales, so their deadlines run from a court's docket instead.