Kansas
Kansas Statutes § 60-2410. Judicial foreclosure state.
Judicial Type
Judicial
Redemption
12 months from date of sale for residential property (Kan. S
Deficiency
Lender may pursue deficiency. Deficiency is limited to debt
Mediation
No mandatory statewide program. Some district courts have vo
Statute Citation
Kan. Stat. Ann. §§ 60-2410 to 60-2414
Redemption Period
12 months from date of sale for residential property (Kan. Stat. Ann. § 60-2414). This is one of the longest post-sale redemption periods in the US. Borrower may remain in possession during redemption.
Deficiency Judgment Rule
Lender may pursue deficiency. Deficiency is limited to debt − fair market value (determined by court). Deficiency must be sought within 90 days of sale.
Notice Requirements
Judicial process: complaint served, judgment entered, Sheriff's sale published and conducted. Notice of sale published 3 times and posted.
Mediation Program
No mandatory statewide program. Some district courts have voluntary mediation.
Key Provisions
- Judicial foreclosure required — court supervision throughout
- 12-month post-sale redemption period for residential property
- Fair value limitation on deficiency judgments
- Borrower remains in possession during redemption
- Sheriff's sale is a public auction to highest bidder
Homeowner Protections
- 12-month redemption period is among the longest in the nation — gives substantial time
- Fair value limitation on deficiency — sale price may not reflect true value
- Judicial process with full due process
- Possession during redemption — you do not have to leave for up to 12 months after sale
Frequently Asked Questions
How long can I stay in my home after the foreclosure sale in Kansas?+
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