APPENDIX G. STATE FORECLOSUE PROCESS AND STATUTORY BID INFORMATION STATE FORECLOSURE PROCESS Procedure (Type of Foreclosure Proceeding) Final Event (Loan Termination Event) Confirmation or Ratification of Sale State? Significant Event Update that Defines Loan Termination Data Element that Provides Loan Termination Date Max. Allowable FC Timeframe After Sale Redemption State? Maximum Redemption Period (Calendar ) Alabama Non-Judicial Sale No Results of Sale Date of Sale 60 Yes 365 Alabama Judicial Sale No Results of Sale Date of Sale 60 Yes 365 Alaska Judicial Confirmation/ Ratification Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 120 Yes 365 Alaska Non-Judicial Sale No Results of Sale Date of Sale 120 No Not Applicable Arizona Non-Judicial Sale No Results of Sale Date of Sale 120 No Not Applicable Arizona Judicial Sale No Results of Sale Date of Sale 120 No Not Applicable Arkansas Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Confirmation
District of Columbia Judicial Sale No Results of Sale Date of Sale 60 No Not Applicable Florida Judicial Confirmation/ Ratification Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 150 No Not Applicable Florida Non-Judicial Confirmation/ Ratification Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 150 No Not Applicable Georgia Non-Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Georgia Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Guam Non-Judicial Sale No Results of Sale Date of Sale 180 Yes 365 Confirmation Confirmation
Guam Judicial Sale No Results of Sale Date of Sale 180 Hawaii Judicial of Sale Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 240 No Not Applicable Hawaii Non-Judicial Confirmation of Sale Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Date of Ratification of Sale 240 No Not Applicable Confirmation Confirmation
Transfer of Custody Judicial Sale No Results of Sale Date of Sale 180 Yes 180 Idaho Non-Judicial Sale No Results of Sale Date of Sale 180 No Not Applicable Illinois Judicial Sale No Results of Sale Date of Sale 300 No Not Applicable Illinois Non-Judicial Sale No Results of Sale Date of Sale 300 No Not Applicable Indiana Judicial Sale No Results of Sale Date of Sale 270 No Not Applicable Indiana Non-Judicial Sale No Results of Sale Date of Sale 270 No Not Applicable Iowa Judicial Sale No Results of Sale Date of Sale 180 No Not Applicable Iowa Non-Judicial Sale (Filing of Affadavit) No Results of Sale Date of Sale 60 No Not Applicable Kansas Judicial Sale No Results of Sale Date of Sale 150 Yes 365 Kansas Non-Judicial Sale No Results of Sale Date of Sale 150 Yes 365 Kentucky Judicial of Sale Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Date of Ratification of Sale 150 Yes 365 Confirmation
Transfer of Custody Kentucky Non-Judicial Confirmation of Sale Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 150 Yes 365 Louisiana Judicial Sale No Results of Sale Date of Sale 180 No Not Applicable Louisiana Non-Judicial Sale No Results of Sale Date of Sale 180 No Not Applicable Maine Judicial Sale No Results of Sale Date of Sale 300 No Not Applicable Maine Non-Judicial Sale No Results of Sale Date of Sale 300 No Not Applicable Maryland Non-Judicial Ratification of Sale Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Date of Ratification of Sale 90 No Not Applicable Confirmation Confirmation
Transfer of Custody Maryland Judicial Ratification of Sale Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 90 No Not Applicable Judicial Order Sale No Results of Sale Date of Sale 180 No Not Applicable Non-Judicial Sale No Results of Sale Date of Sale 180 No Not Applicable Michigan Judicial Sale No Results of Sale Date of Sale 90 Yes 365 Michigan Non-Judicial Sale No Results of Sale Date of Sale 90 Yes 365 Minnesota Judicial Sale Yes Results of Sale Date of Sale 90 Yes 365 Minnesota Non-Judicial Sale No Results of Sale Date of Sale 90 Yes 365 Mississippi Non-Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Mississippi Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Missouri Judicial Sale Yes Results of Sale Date of Sale 60 No Not Applicable Confirmation
Nevada Non-Judicial Sale No Results of Sale Date of Sale 150 No Not Applicable Nevada Judicial Sale No Results of Sale Date of Sale 150 No Not Applicable New Hampshire Non-Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable New Hampshire Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable New Jersey Judicial Sale No Results of Sale Date of Sale 300 Yes 10 New Jersey Non-Judicial Sale No Results of Sale Date of Sale 300 Yes 10 New Mexico Judicial Confirmation Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 180 Yes 270 New Mexico Non-Judicial Yes Holder Convey – Transfer of Custody Date of Ratification of Sale 180 Yes 270 Confirmation Confirmation
Oklahoma Pty – Confirmed Sale Date with No Transfer of Custody Oklahoma Non-Judicial Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 210 No Not Applicable Oregon Judicial Sale No Results of Sale Date of Sale 150 Yes 180 Oregon Non-Judicial Sale No Results of Sale Date of Sale 150 No Not Applicable Pennsylvania Judicial Sale No Results of Sale Date of Sale 270 No Not Applicable Pennsylvania Non-Judicial Sale No Results of Sale Date of Sale 270 No Not Applicable Puerto Rico Judicial Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Date of Ratification of Sale 450 No Not Applicable
Texas Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Texas Non-Judicial Sale No Results of Sale Date of Sale 90 No Not Applicable Utah Judicial Sale No Results of Sale Date of Sale 150 Yes 180 Utah Non-Judicial Sale No Results of Sale Date of Sale 150 No Not Applicable Vermont Judicial Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 300 No Not Applicable Vermont Non-Judicial Yes 300 No
Washington Non-Judicial Sale No Results of Sale Date of Sale 150 No Not Applicable West Virginia Non-Judicial Sale No Results of Sale Date of Sale 60 No Not Applicable West Virginia Judicial Sale No Results of Sale Date of Sale 60 No Not Applicable Wisconsin Judicial - Abandoned Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody? Date of Ratification of Sale 210 No Not Applicable Wisconsin Judicial - Owner Occupied Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 330 No Not Applicable
Wisconsin Judicial - Tenant Occupied Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 240 No Not Applicable Wisconsin Non-Judicial Yes Holder Convey – Transfer of Custody Retain or 3rd Pty – Confirmed Sale Date with No Transfer of Custody Date of Ratification of Sale 330 No Not Applicable Wyoming Judicial Confirmation/ Ratification Yes Holder Convey - Transfer of Custody Retain or 3rd Date of Ratification of Sale 90 Yes 90
Pty – Confirmed Sale Date with No Transfer of Custody Wyoming Non-Judicial Sale No Results of Sale Date of Sale 90 Yes 90 STATUTORY BID REQUIREMENTS State/Territory Statutory Bid Reqs (Y/N)? County Name Statutory Bid Amount Statutory Bid Calculation Data Elements Required to Determine Bid Amount Significant Event Update that Provides Data Alabama N Alaska N Arizona N Arkansas Y All Counties Not Applicable 2/3 Total Indebtedness Total Indebtedness Results of Sale California N Colorado N Connecticut Y All Counties Total Indebtedness Not Applicable Total Indebtedness Results of Sale Delaware N District of Columbia N Florida N