North Dakota
North Dakota Century Code § 32-19-01. Judicial foreclosure state.
Judicial Type
Judicial
Redemption
60 days for most residential property (N.D. Cent. Code § 32-
Deficiency
Lender may pursue deficiency. Deficiency may be pursued in t
Mediation
North Dakota does not have a mandatory statewide program, bu
Statute Citation
N.D. Cent. Code §§ 32-19-01 to 32-19-47
Redemption Period
60 days for most residential property (N.D. Cent. Code § 32-19-16). 1 year for agricultural land. The borrower may remain in possession during the redemption period.
Deficiency Judgment Rule
Lender may pursue deficiency. Deficiency may be pursued in the foreclosure action. Court determines deficiency amount based on the debt and the fair value of the property by following North Dakota anti-deficiency provisions.
Notice Requirements
Foreclosure complaint served. Judgment of foreclosure. Sheriff's sale after judgment. Notice of sale published and posted.
Mediation Program
North Dakota does not have a mandatory statewide program, but the North Dakota Housing Finance Agency provides foreclosure prevention resources.
Key Provisions
- Judicial foreclosure required
- 60-day redemption period for residential
- Sheriff's sale is a public auction
- Fair value consideration for deficiency
Homeowner Protections
- 60-day redemption period
- Judicial process with full due process
- Housing Finance Agency counseling resources
- May remain in property during redemption
Frequently Asked Questions
What are my redemption rights in North Dakota?+
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