MichiganKey DatesAction StepsPlain-English
Michigan Foreclosure Timeline
Know your stage. Keep control.
Your best option depends on where you are right now. Acting early creates choices. Waiting compresses choices.
Common order of events: missed payments → notice/default steps → sale window → post-sale deadlines. (General info only—confirm details for your exact case.)
Fast scan + call-ready plan. No pressure—just clarity.
Early Stage
Jump to plan →Best time to regain control. Most options exist here.
Priority #1: Get exact numbers
Ask for a reinstatement quote and confirm what’s required to stop the process in your case.
Priority #2: Decide keep vs exit
If the monthly math can’t work long-term, don’t force it. Controlled exits beat chaos.
If keeping is realistic
Workouts/modifications can work when income is stable and the payment becomes truly affordable.
If keeping isn’t realistic
Selling early often protects credit, reduces fees, and gives you more negotiating leverage.
Sale Window
Jump to plan →Speed + coordination matter. Options narrow fast.
Move 1: Confirm the timeline
Get the most current status from your servicer. Don’t rely on assumptions or old letters.
Move 2: Choose one plan
The biggest mistake is trying “everything.” Pick one path and execute quickly.
If you want to keep the home
Workouts may require fast paperwork + strict deadlines. If it’s not affordable, it won’t hold.
If you need to exit
Selling before a hard deadline is often the cleanest way to prevent compounding damage.
After Sale
Jump to plan →Post-sale deadlines and redemption rules matter most.
Confirm your deadlines
Post-sale periods and requirements can be strict. Confirm the details for your exact case immediately.
Avoid drifting
Time moves fast after sale. Waiting is usually the most costly decision.
If you’re trying to stay
Outcomes depend on the rules, the paperwork, and your timeline. Get clarity quickly.
If you need an exit plan
A structured move is better than last-minute panic. Preserve stability wherever possible.
Important
This is general information and not legal advice. For deadlines and legal options, confirm with your servicer/lender or a licensed attorney.