Ohio Foreclosure Help – Stop Foreclosure in Ohio


Finding Foreclosure Help in Ohio

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services.


632 Vine Street, Fifth Floor
Cincinnati, Ohio 45202
Phone: (513) 684-3451

Fax: (513) 684-6224
TTY: (513) 684-6180

Jurisdiction: Thirteen counties in Southwestern Ohio

James A. Cunningham
Field Office Director

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday


Cleveland Field Office
U.S. Bank Centre Building
1350 Euclid Avenue, Suite 500
Cleveland, OH 44115-1815
Phone: (216) 522-4058

Fax: (216) 522-4067

TTY: (216) 522-2261

Jurisdiction: Thirty-five counties in Northern Ohio

Douglas W. Shelby
Field Office Director

Office Hours: 8:20 a.m. to 5:00 p.m.

Monday through Friday


Federal Office Building
200 North High Street
Columbus, OH 43215
Phone: (614) 469-5737

Fax: (614) 469-2432

TTY: (614) 469-6694

Jurisdiction: Forty counties in Central and Southeastern Ohio

Thomas H. Leach
Field Office Director

Office Hours: 8:00 a.m. to 4:30 p.m.

Monday through Friday

Ohio Foreclosure Laws Summary

Quick Facts:

  • Judicial foreclosure process is available.
  • Non-judicial foreclosure process is not available.
  • The primary security instruments are only the mortgages.
  • The timeline can vary by process, which typically takes 150 days.
  • The borrowers have rights of redemption.
  • The lender is allowed to sue for deficiency judgements.

For lenders in Ohio, they can use the judicial foreclosure process when foreclosing any mortgage in default.

Judicial Foreclosure
The court decides on giving the borrower a specific time at which the borrower should settle his debts. Once the debts are paid, the borrower still has the right over the property. If unable to settle his debt, the clerk of the court then decides on selling the property.

It is important to note that prior the date of foreclosure, the three disinterested parties must be involved in the appraisal of the said property. The appraisal is fled to the clerk of court. As a requirement, the property should be sold at least 2/3 of the value.

As a requirement, the notice of sale must be published. The county newspaper must have the notice of sale printed once for three consecutive weeks.

The sheriff is the one who is in charge of the auction. He will lead the auction which is held at the courthouse and given to the highest bidder.

The borrowers have redemption rights before any of the foreclosure sale is confirmed by court. He must settle the debts that he owes the lender in order to gain ownership to the property. The lenders can also file for deficiency judgement for the property.