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Ohio Foreclosure Laws

Judicial	Yes
Non-Judicial	No
Process Period	217 Days
Sale Publication	NA
Redemption Period	None
Sale / NTS	Sheriff

Judicial Foreclosures: The foreclosure process begins with the lender filing the appropriate papers with the court. The borrower is sent notice of the filing usually by certified mail. If the borrower is not located the lender must publish the notice in the local newspaper. The borrower is given 28 days to respond to the notice. If they do not respond the court can find them in default. The court allots the borrower a certain amount of time to pay the debt, and stop the foreclosure process. If the debt isn�t paid then the property goes up for sale.

Non-Judicial Foreclosures: In the state of Ohio out of court proceedings are not used.

Sale: Prior to the sale the sheriff in charge of the sale process must obtain three appraisals and publish an ad in the local newspaper. The sheriff through a public auction conducts the sale. The final sale price must be at least two thirds of the appraised value, and the property is sold to the highest bidder. The court reviews the files and confirms the sale. Following the courts confirmation the ownership is transferred to the highest bidder. The borrower has no right to redeem the property after the sale.

Additional Information on Ohio Foreclosure

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at the date first published, however you should recognize that information contained on this web-site may become out of date over time.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.