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Vermont Foreclosure Laws

Judicial	Yes
Non-Judicial	No
Process Period	95 Days
Sale Publication	NA
Redemption Period	180-365 Days
Sale / NTS	Court

Judicial Foreclosure: There are two types of foreclosure processes used in Vermont. One is a strict foreclosure, which is conducted through the courts. The lender begins this process by filing the appropriate documents with the court. The borrower then receives notice to report to court. If the court rules in favor of the lender, the lender can schedule sale of the property.

The other more common type of foreclosure is allowed when the mortgage permits a lender to sell the property if the borrower has defaulted. If the lender goes through the courts, the court can rule the property in foreclosure. In this case the foreclosure can also be held out of court, if the lender chooses to conduct the foreclosure out of court the borrower has a chance to stop the process by paying back the amount owed.

Non-Judicial Foreclosure: in the state of Vermont out-of-court proceedings are not used often.

Sale: A notice of sale should be sent to the borrower and be published in the local newspaper once a week for three weeks. The notice should include the lender and borrowers names, the mortgage date, as well as the time date and location of the sale. The sale is conducted through a public auction, and the property is awarded to the highest bidder. Any surplus proceeds are given to the borrower.

Additional Information on Vermont Foreclosure

HUD resources for Vermont residents

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at the date first published, however you should recognize that information contained on this web-site may become out of date over time.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