District of Columbia
D.C. Code § 42-815. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial trustee
Deficiency
After non-judicial trustee sale: the lender may pursue defic
Mediation
DC's Foreclosure Mediation Program: mandatory for residentia
Statute Citation
D.C. Code §§ 42-815 to 42-818.02
Redemption Period
No statutory right of redemption after non-judicial trustee sale. The sale is final. The District of Columbia uses a non-judicial process with trustees authorized under the deed of trust.
Deficiency Judgment Rule
After non-judicial trustee sale: the lender may pursue deficiency. The deficiency is debt − sale price with no automatic fair value limitation, though the court may consider fair value in equity. The District of Columbia has limited case law on deficiency.
Notice Requirements
Notice of trustee sale recorded and mailed to borrower at least 30 days before sale. Notice published in newspaper. District of Columbia law requires the deed of trust to contain a power of sale clause.
Mediation Program
DC's Foreclosure Mediation Program: mandatory for residential owner-occupied properties. Mediation must occur before the foreclosure sale can proceed.
Key Provisions
- Non-judicial trustee sale (standard)
- Mandatory foreclosure mediation for owner-occupied properties
- 30-day notice requirement
- No post-sale redemption
Homeowner Protections
- Mandatory foreclosure mediation for owner-occupied residential properties — strong protection
- 30-day mailed notice requirement
- Borrower may challenge the trustee's authority if the deed of trust was not properly assigned
Frequently Asked Questions
How does DC's foreclosure mediation work?+
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