Mississippi
Mississippi Code § 89-1-55. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial foreclos
Deficiency
Lender may pursue deficiency. After non-judicial foreclosure
Mediation
No statewide foreclosure mediation program.
Statute Citation
Miss. Code Ann. §§ 89-1-55 to 89-1-63
Redemption Period
No statutory right of redemption after non-judicial foreclosure. The sale is final. No post-sale redemption period exists under Mississippi law.
Deficiency Judgment Rule
Lender may pursue deficiency. After non-judicial foreclosure, deficiency is the difference between the total debt and the foreclosure sale price. No fair value limitation — the actual sale price is used.
Notice Requirements
Notice of sale published once per week for 3 consecutive weeks and posted at the courthouse. Notice mailed to borrower is not required by statute — but the deed of trust often requires it.
Mediation Program
No statewide foreclosure mediation program.
Key Provisions
- Substitute trustee may be appointed to conduct the sale
- Notice by publication and posting — personal notice not required by statute
- Sale is to the highest bidder for cash
- No redemption period after sale
- Quick process: typically 45-90 days from first publication
Homeowner Protections
- Deed of trust may require personal notice (check your document)
- Borrower may challenge procedural defects (improper publication, unauthorized trustee)
- SCRA protections apply to military homeowners
Frequently Asked Questions
How fast can Mississippi lenders foreclose?+
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