Ohio
Ohio Revised Code § 2323.07. Judicial foreclosure state.
Judicial Type
Judicial
Redemption
The court confirms the sale and an order of distribution is
Deficiency
Lender may pursue deficiency. The deficiency is determined b
Mediation
No mandatory statewide program. Some counties (Cuyahoga, Fra
Statute Citation
Ohio Rev. Code Ann. §§ 2323.07-2329.66
Redemption Period
The court confirms the sale and an order of distribution is entered — there is no statutory post-sale redemption before confirmation. The confirmation hearing functions as the final opportunity to challenge the sale.
Deficiency Judgment Rule
Lender may pursue deficiency. The deficiency is determined by the court after the sale is confirmed. Ohio has a fair value standard for deficiency.
Notice Requirements
Foreclosure complaint served. Lis pendens filed. Sheriff's sale after decree. Notice of sale published and posted. Ohio has strict service requirements.
Mediation Program
No mandatory statewide program. Some counties (Cuyahoga, Franklin) have voluntary mediation programs.
Key Provisions
- Judicial foreclosure — court supervision throughout
- Sheriff's sale after decree
- Confirmation hearing — final opportunity to challenge
- Fair value standard for deficiency
Homeowner Protections
- Judicial process with full due process
- Confirmation hearing provides opportunity to challenge the sale
- Fair value standard for deficiency judgments
- Strict standing and service requirements
Frequently Asked Questions
How does Ohio's confirmation process work?+
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