I though some of you might be interested in seeing this info... these are foreclosure timeframes from the time the time of referral to an attorney/trustee and foreclosure, by state. As you can see the times range from 120 in non-judicial states up to 450 for judicial states like FL and NJ... anyway... fyi. If the servicers don't meet these timeframes they can be fined.
Note, these were first published in June and went into effect in Sept 2011.... I think this explains why some loans are being expedited. Supposedly Freddie Mac was implementing similar timeframes this year.
You can find out if your loan is owned by Fannie Mae or Freddie Mac by going to www.fanniemae.com or Freddie Mac Home and following the links. Even if your loan is a "BoA" or "Chase" or "Wells Fargo".... it can still be a Fannie or Freddie loan and the bank is the servicer, fyi.
Here's the link to the table below https://www.efanniemae.com/sf/guides/ssg/relatedservicinginfo/pdf/foreclosuretimeframes.pdf
Note... I tried to separate the two columns of states below... twice!.... but the formatting wouldn't take... hopefully you can still use it.
Foreclosure Time Frames
The table below specifies Fannie Mae’s maximum number of allowable days between referral to
attorney (or trustee) and foreclosure sale date, as referred to in the Fannie Mae Servicing
Guide, Part VII, Section 104.08, Allowable Time Frames for Completing Foreclosure.
Alabama Non‐Judicial 120 Nebraska Judicial 180
Alaska Non‐Judicial 150 Nevada Non‐Judicial 210
Arizona Non‐Judicial 150 New Hampshire Non‐Judicial 120
Arkansas Non‐Judicial 120 New Jersey Judicial 450
California Non‐Judicial 150 New Mexico Judicial 270
Colorado Non‐Judicial 180 New York City Judicial 570
Connecticut Judicial 300 New York Judicial 400
Delaware Judicial 270 North Carolina Non‐Judicial 150
District of Columbia
Non‐Judicial 150 North Dakota Judicial 225
Florida Judicial 450 Ohio Judicial 300
Georgia Non‐Judicial 120 Oklahoma Judicial 270
Guam Non‐Judicial 350 Oregon Non‐Judicial 180
Hawaii Judicial 350 Pennsylvania Judicial 330
Idaho Non‐Judicial 240 Puerto Rico Judicial 390
Illinois Judicial 330 Rhode Island Non‐Judicial 180
Indiana Judicial 330 South Carolina Judicial 270
Iowa Judicial 330 South Dakota Judicial 210
Kansas Judicial 180 Tennessee Non‐Judicial 120
Kentucky Judicial 270 Texas Non‐Judicial 120
Louisiana Judicial 240 Utah Non‐Judicial 180
Maine Judicial 420 Vermont Judicial 360
Maryland Non‐Judicial 205 Virgin Islands Judicial 360
Massachusetts Non‐Judicial 200 Virginia Non‐Judicial 120
Michigan Non‐Judicial 120 Washington Non‐Judicial 180
Minnesota Non‐Judicial 120 West Virginia Non‐Judicial 140
Mississippi Non‐Judicial 120 Wisconsin Judicial 330
Missouri Non‐Judicial 120 Wyoming Non‐Judicial 120