Georgia Deed Real Estate Ga Foreclosure
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FAQ
How does foreclosure work in Georgia? Georgia is a ?non-judicial foreclosure? state. That means the lender can foreclose on your home without filing suit or appearing in court before a judge. The procedures for foreclosure are spelled out in the Official Code of Georgia, Sections 44-14-162 through 44-14-162.4.
It can be very complicated, however, it may be broken down into four basic steps. Step 1 ? A 30-day Notice of Intent to Foreclose. A lender is required by law to notify the borrower 30 days prior to scheduling a foreclosure sale. ... Step 2 ? Publicized Sale. ... Step 3 ? Reinstating the Loan. ... Step 4 ? A Foreclosure Sale.
Technically, the average foreclosure process from issuing a foreclosure notice of default is approximately 60 days in Georgia, while the national average is at least four months.
This right provides the owner every reasonable opportunity to reacquire the property; provided, however, that the guidelines and requirements below are followed. The redemption must take place within 12 months of the date of the sale or at any time after the sale until the right to redeem is foreclosed.