Missouri
Missouri Revised Statutes § 443.290. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial foreclos
Deficiency
Lender may pursue deficiency. The deficiency is limited to d
Mediation
No mandatory statewide program. Some counties have voluntary
Statute Citation
Mo. Rev. Stat. §§ 443.290-443.440
Redemption Period
No statutory right of redemption after non-judicial foreclosure. The sale is final. The borrower's right of redemption is only available before the sale (equitable right of redemption).
Deficiency Judgment Rule
Lender may pursue deficiency. The deficiency is limited to debt − fair market value if the borrower requests a fair value hearing and the court finds the sale price was inadequate. Deficiency suit must be brought in a separate action.
Notice Requirements
Notice of trustee sale published and posted. Notice mailed to borrower at the address in the deed of trust. Missouri requires strict compliance with the terms of the deed of trust.
Mediation Program
No mandatory statewide program. Some counties have voluntary programs.
Key Provisions
- Non-judicial foreclosure under power of sale
- Trustee must follow terms of deed of trust strictly
- Notice published and mailed
- No post-sale redemption
Homeowner Protections
- Fair value hearing option for deficiency limitation
- Strict compliance with deed of trust terms is required — deviations void the sale
- Borrower may seek injunction before sale for procedural defects
Frequently Asked Questions
Can I get a fair value hearing in Missouri to limit my deficiency?+
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