Ohio Foreclosure Process and Laws


Quick Facts About the Ohio Foreclosure Process

Judicial Foreclosure Available: Yes

Non-Judicial Foreclosure Available: No

Primary Security Instruments: Mortgage

Timeline: Typically 150 days

Right of Redemption: Yes

Deficiency Judgments Allowed: Yes

Lenders in Ohio can foreclose on a mortgage in default through a judicial foreclosure process.

Judicial Foreclosure
In the judicial foreclosure, the court will give a time period wherein the borrower can settle his debts. If he is unable to pay the balance that he still owes, the clerk of the court will then advertise the property for sale.

Before the date of the foreclosure, three disinterested parties must make an appraisal of the property. This must be filed to the clerk of the court, and the property must not be sold for less than 2/3 of the value.

A notice of sale must be published in the county newspaper where the property is located, once a week for three consecutive weeks. The sheriff will then be in charge of selling the property at the courthouse to the highest bidder.

Lenders can file for a deficiency judgement while borrowers have the right to redemption before the foreclosure sale is confirmed by the court by paying the amount of the judgement, plus costs and interest.

Foreclosure Avoidance Counseling

HUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. As part of President Obama’s comprehensive Homeowner Affordability and Stability Plan (HASP), you may be eligible for a special Making Home Affordable loan modification or refinance, to reduce your monthly payments and help you keep your home.

If you need help understanding the Making Home Affordable programs, you can use this search tool to find a counseling agency in your area that will provide you with free foreclosure prevention services. If you are eligible for the loan modification or refinance program, the counselor will work with you to compile an intake package for your servicer.

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