Action Considered by the

# Department of Housing and Urban Development

## As the First Legal Action to Commence (Institute) Foreclosure

+----+--------------+-------------+-------------+---------------------+
| *  | **State**    | **Typical   | **Normal    | **First**           |
| *S |              | Type of HUD | Method of   |                     |
| ta |              | Security    | Fo          | **Foreclosure**     |
| te |              | I           | reclosure** |                     |
| ** |              | nstrument** |             | **Action**          |
|    |              |             |             |                     |
| ** |              |             |             |                     |
| Co |              |             |             |                     |
| de |              |             |             |                     |
| ** |              |             |             |                     |
+----+--------------+-------------+-------------+---------------------+
| 01 | Alabama      | Mortgage    | N           | Publication         |
|    |              |             | on-Judicial |                     |
+----+--------------+-------------+-------------+---------------------+
| 11 | Alaska       | Deed of     | N           | Recording of Notice |
|    |              | Trust       | on-Judicial | of Default          |
+----+--------------+-------------+-------------+---------------------+
| 02 | Arizona      | Deed of     | N           | Recording of Notice |
|    |              | Trust       | on-Judicial | of Sale             |
+----+--------------+-------------+-------------+---------------------+
| 03 | Arkansas     | Deed of     | N           | Recording of Notice |
|    |              | Trust       | on-Judicial | of Default          |
+----+--------------+-------------+-------------+---------------------+
| 04 | California   | Deed of     | N           | Recording of Notice |
|    |              | Trust       | on-Judicial | of Default          |
+----+--------------+-------------+-------------+---------------------+
| 05 | Colorado     | Deed of     | N           | Filing of           |
|    |              | Trust       | on-Judicial | Foreclosure         |
|    |              |             |             | Documents with      |
|    |              |             |             | Public Trustee      |
+----+--------------+-------------+-------------+---------------------+
| 06 | Connecticut  | Mortgage    | Judicial    | Delivering          |
|    |              |             |             | Complaint to        |
|    |              |             |             | Sheriff             |
+----+--------------+-------------+-------------+---------------------+
| 07 | Delaware     | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 08 | District of  | Deed of     | N           | Recording of Notice |
|    | Columbia     | Trust       | on-Judicial | of Default          |
+----+--------------+-------------+-------------+---------------------+
| 09 | Florida      | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 10 | Georgia      | Security    | N           | Publication         |
|    |              | Deed        | on-Judicial |                     |
+----+--------------+-------------+-------------+---------------------+
| 83 | Guam         | Mortgage    | N           | Posting and         |
|    |              |             | on-Judicial | Publishing of       |
|    |              |             |             | Notice of Sale      |
+----+--------------+-------------+-------------+---------------------+
| 14 | Hawaii       | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
|    |              | Mortgage    | N           | Publication of      |
|    |              |             | on-Judicial | Notice of Intent to |
|    |              |             |             | Foreclose           |
+----+--------------+-------------+-------------+---------------------+
| 12 | Idaho        | Deed of     | N           | Recording of Notice |
|    |              | Trust       | on-Judicial | of Default          |
+----+--------------+-------------+-------------+---------------------+
| 13 | Illinois     | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 15 | Indiana      | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 16 | Iowa         | Mortgage    | Judicial    | Petition            |
+----+--------------+-------------+-------------+---------------------+
|    |              | Deed of     | N           | Delivering Notice   |
|    |              | Trust       | on-Judicial | to Clerk            |
+----+--------------+-------------+-------------+---------------------+
| 18 | Kansas       | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 20 | Kentucky     | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 22 | Louisiana    | Mortgage    | Judicial    | Petition for        |
|    |              |             |             | Executory Process   |
+----+--------------+-------------+-------------+---------------------+
| 23 | Maine        | Mortgage    | Judicial    | Complaint           |
+----+--------------+-------------+-------------+---------------------+
| 24 | Maryland     | Mortgage    | Judicial    | Petition in Equity  |
+----+--------------+-------------+-------------+---------------------+
|    |              | Deed of     | N           | Filing an Order to  |
|    |              | Trust       | on-Judicial | Docket              |
+----+--------------+-------------+-------------+---------------------+
| 25 | M            | Mortgage    | N           | Filing of Complaint |
|    | assachusetts |             | on-Judicial | Relative to         |
|    | ^1^          |             |             | Servicemembers      |
|    |              |             |             | Civil Relief Act    |
+----+--------------+-------------+-------------+---------------------+
| 26 | Michigan     | Mortgage    | N           | Publication         |
|    |              |             | on-Judicial |                     |
+----+--------------+-------------+-------------+---------------------+
| 27 | Minnesota    | Mortgage    | N           | Publication         |
|    |              | Deed        | on-Judicial |                     |
+----+--------------+-------------+-------------+---------------------+
| 28 | Mississippi  | Deed of     | N           | Publication         |
|    |              | Trust       | on-Judicial |                     |
+----+--------------+-------------+-------------+---------------------+
| 29 | Missouri     | Deed of     | N           | Publication         |
|    |              | Trust       | on-Judicial |                     |
+----+--------------+-------------+-------------+---------------------+

Action Considered by the

# Department of Housing and Urban Development

# As the First Legal Action to Commence (Institute) Foreclosure

+---+--------------+-------------+-------------+---------------------+
| * | **State**    | **Typical   | **Normal    | **First**           |
| * |              | Type of HUD | Method of   |                     |
| S |              | Security    | Fo          | **Foreclosure**     |
| t |              | I           | reclosure** |                     |
| a |              | nstrument** |             | **Action**          |
| t |              |             |             |                     |
| e |              |             |             |                     |
| * |              |             |             |                     |
| * |              |             |             |                     |
|   |              |             |             |                     |
| * |              |             |             |                     |
| * |              |             |             |                     |
| C |              |             |             |                     |
| o |              |             |             |                     |
| d |              |             |             |                     |
| e |              |             |             |                     |
| * |              |             |             |                     |
| * |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 3 | Montana      | Trust       | N           | Recording of Notice |
| 1 |              | Indenture   | on-Judicial | of Sale             |
+---+--------------+-------------+-------------+---------------------+
| 3 | Nebraska     | Mortgage    | Judicial    | Petition            |
| 2 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
|   |              | Deed of     | N           | Publication of      |
|   |              | Trust       | on-Judicial | Notice of Sale      |
+---+--------------+-------------+-------------+---------------------+
| 3 | Nevada       | Deed of     | N           | Recording of Notice |
| 3 |              | Trust       | on-Judicial | of Default          |
+---+--------------+-------------+-------------+---------------------+
| 3 | New          | Mortgage    | N           | Publication         |
| 4 | Hampshire    |             | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+
| 3 | New Jersey   | Mortgage    | Judicial    | Complaint           |
| 5 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 3 | New Mexico   | Mortgage    | Judicial    | Complaint           |
| 6 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 3 | New York     | Mortgage    | Judicial    | Complaint           |
| 7 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 3 | North        | Deed of     | N           | Notice of Hearing   |
| 8 | Carolina     | Trust       | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | North Dakota | Mortgage    | Judicial    | Complaint           |
| 0 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | Ohio         | Mortgage    | Judicial    | Complaint           |
| 1 |              | Deed        |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | Oklahoma     | Mortgage    | Judicial    | Petition            |
| 2 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | Oregon       | Deed of     | N           | Recording of Notice |
| 3 |              | Trust       | on-Judicial | of Default          |
+---+--------------+-------------+-------------+---------------------+
| 4 | Pennsylvania | Mortgage    | Judicial    | Complaint           |
| 4 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 5 | Puerto Rico  | Mortgage    | Judicial    | Complaint           |
| 0 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | Rhode Island | Mortgage    | N           | Publication         |
| 5 |              |             | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | South        | Mortgage    | Judicial    | Complaint           |
| 6 | Carolina     |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | South Dakota | Mortgage    | Judicial    | Complaint           |
| 7 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
|   |              | Deed of     | N           | Publication of      |
|   |              | Trust       | on-Judicial | Notice of Sale      |
+---+--------------+-------------+-------------+---------------------+
| 4 | Tennessee    | Deed of     | N           | Publication         |
| 8 |              | Trust       | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+
| 4 | Texas        | Deed of     | N           | Posting and Filing  |
| 9 |              | Trust       | on-Judicial | of the Notice of    |
|   |              |             |             | Sale                |
+---+--------------+-------------+-------------+---------------------+
| 5 | Utah         | Mortgage    | Judicial    | Complaint           |
| 2 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
|   |              | Deed of     | N           | Recording of Notice |
|   |              | Trust       | on-Judicial | of Default          |
+---+--------------+-------------+-------------+---------------------+
| 5 | Vermont      | Mortgage    | Judicial    | Complaint           |
| 3 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 5 | Virginia     | Deed of     | N           | Publication         |
| 4 |              | Trust       | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+
| 8 | Virgin       | Mortgage    | Judicial    | Complaint           |
| 2 | Islands      |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 5 | Washington   | Deed of     | N           | Recording of Notice |
| 6 |              | Trust       | on-Judicial | of Sale             |
+---+--------------+-------------+-------------+---------------------+
| 5 | West         | Deed of     | N           | Publication         |
| 7 | Virginia     | Trust       | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+
| 5 | Wisconsin    | Mortgage    | Judicial    | Complaint           |
| 8 |              |             |             |                     |
+---+--------------+-------------+-------------+---------------------+
| 5 | Wyoming      | Mortgage    | N           | Publication         |
| 9 |              |             | on-Judicial |                     |
+---+--------------+-------------+-------------+---------------------+

**[Footnote]{.underline}: (**1**)** The mortgagee must first obtain a
Judgment from the Land Court certifying that the owners of the property
being foreclosed are not entitled to relief under the Servicemembers
Civil Relief Act (SCRA).