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Iowa Foreclosure Laws

Judicial	Yes
Non-Judicial	Yes
Process Period	160 Days
Sale Publication	30 Days
Redemption Period	20 Days
Sale / NTS	Sheriff

Judicial Foreclosure: In the state if Iowa court foreclosure can occur with or without redemption rights. The lender typically delivers a written notice of default to the borrower 30 days prior to beginning the process, the notice will include the exact amount owed, and when it must be paid. If the amount is not paid then the lender may go on with the foreclosure process. If the lender chooses to pursue the foreclosure without redemption, the borrower can demand the sale to be delayed for 6-12 months.

Non-Judicial Foreclosure: Borrowers can voluntarily agree to an out-of-court foreclosure.

Sale: The sheriff handles the sale, it is their responsibility to distribute and publish the notice. The notice should be posted in at least three public places, with one of them being the public courthouse. In addition there must be two newspaper publications per week, and the first should be in four weeks before the sale date. If the lender chooses to foreclose with out redemption then the winning bidder automatically receives the deed. Otherwise redemption periods can last anywhere from 30 days to 6 months.

The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular questions real estate financing or foreclosure, or who believe they require legal counsel, should seek the advice of an attorney. By submitting this contact request, you are consenting to be contacted by foreclosure consultants by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that Wisdom may receive compensation from the foreclosure consultants for that introduction.