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What is the duration of the foreclosure process in Washington State?

Approximately 60 days for judicial foreclosures

Approximately 90 days for judicial foreclosures

Approximately 120 days for non-judicial foreclosures

In Washington State, the foreclosure process operates under both judicial and non-judicial frameworks, the latter being more common for residential properties. Non-judicial foreclosures, which follow the process established in the Deed of Trust Act, typically take about 120 days from the time the notice of default is filed until the actual sale of the property occurs. This timeframe allows for the necessary legal notifications and waiting periods, which are designed to give the borrower opportunities to rectify the default or negotiate alternatives before the property is sold.

In comparison, judicial foreclosures, while generally more extended in their process due to the need for court involvement and potential complications, might not follow the same streamlined timeline as non-judicial foreclosures. Therefore, while some responses may reference shorter durations for judicial foreclosures, the indicated duration of 120 days accurately reflects the typical timeline for non-judicial foreclosures, which is a key aspect of Washington's foreclosure practices.

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Approximately 180 days for non-judicial foreclosures

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