MT · deed-of-trust state · 4 rules quoted · reviewed October 5, 2026
Montana mails notice 120 days before the sale, publishes for three weeks, lets a borrower pay up to the moment of the auction — and allows no deficiency judgment at all.
Mailed at least 120 days before the sale
“At least 120 days before the date fixed for the trustee's sale”MCA § 71-1-315(1)(a)
Once a week for 3 successive weeks; posted 20 days before
“at least once each week for 3 successive weeks”MCA § 71-1-315(1)(c)
“At least 20 days before the date fixed for the trustee's sale, a copy of the recorded notice of sale must be posted”MCA § 71-1-315(1)(b)
Any time before the hour fixed for the sale
“at any time prior to the time fixed by the trustee for the trustee's sale”MCA § 71-1-312(1)
None after a trust indenture is foreclosed by advertisement and sale
“may not be taken or judgment entered for any deficiency against the grantor”MCA § 71-1-317
Quoted from the Montana code and re-checked by script. Statutes carry exceptions a table cannot — read the section before relying on it.
Holding a notice? The trustee sale deadline calculator turns these rules into calendar dates from the sale date it gives.
Data as of · sale counts recomputed nightly
Montana law requires 120 days, and the notices we hold run a median of 115 days from first publication to the sale. That is shorter than the statutory minimum because the minimum runs from an earlier step — the recorded notice or the mailing to the borrower — while this counts from the day the notice first appeared in a newspaper.
See what is scheduled now in Montana trustee sales, or the national figures in trustee sale statistics.
Mailed at least 120 days before the sale, under MCA § 71-1-315(1)(a). In practice, a notice we hold in Montana first appears in a newspaper a median of 115 days before the sale it announces, across 126 sales.
Montana allows reinstatement: any time before the hour fixed for the sale, under MCA § 71-1-312(1). The amount due is the arrears and the costs allowed, not the entire loan.
None after a trust indenture is foreclosed by advertisement and sale, under MCA § 71-1-317.
TrusteeSaleData. "Montana foreclosure laws." Reviewed October 5, 2026. https://www.trusteesaledata.com/trustee-sale-laws/montana
Cite the statute itself where you can — every rule above names its section and links to the state’s own page. Corrections to a rule, with the section that contradicts it, are welcome at support@trusteesaledata.com. Nothing here is legal advice: TrusteeSaleData is not a law firm, a trustee, or a government agency.
Other states: trustee sale laws by state.