Alabama
Alabama Code § 35-10-1 et seq.. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
12 months from foreclosure sale date (Ala. Code § 6-5-248).
Deficiency
Lender may pursue deficiency judgment. No statutory fair-val
Mediation
No statewide foreclosure mediation program.
Statute Citation
Ala. Code §§ 35-10-1 to 35-10-30
Redemption Period
12 months from foreclosure sale date (Ala. Code § 6-5-248). This is one of the longest statutory redemption periods in the United States.
Deficiency Judgment Rule
Lender may pursue deficiency judgment. No statutory fair-value limitation — borrower must assert common-law defenses and challenge the sale price.
Notice Requirements
Publication notice: once per week for 3 consecutive weeks in newspaper of general circulation in county where property is located. Notice posted at courthouse. No personal notice to borrower required by state law (though mortgage terms often require it).
Mediation Program
No statewide foreclosure mediation program.
Key Provisions
- Power of sale clause in mortgage is required for non-judicial foreclosure
- Foreclosure sale must occur between 11 AM and 4 PM at courthouse
- Sold to highest bidder for cash
- 12-month statutory right of redemption is among the longest in the nation
- Borrower may remain in possession during redemption period
- Redemption amount = foreclosure purchase price + interest + taxes/insurance paid by purchaser + improvements
Homeowner Protections
- 12-month redemption period gives substantial time to cure default or find alternative financing
- Redemption amount is the purchase price, not the full loan balance — potentially attractive for refinancing
- Courts may set aside foreclosure sale for grossly inadequate price or procedural irregularity
- SCRA protections apply to active-duty military homeowners
Frequently Asked Questions
How long after the foreclosure sale can I get my home back in Alabama?+
Is Alabama a judicial or non-judicial foreclosure state?+
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