Oklahoma
Oklahoma Statutes tit. 46, § 43. Both foreclosure state.
Judicial Type
Both
Redemption
No statutory right of redemption after foreclosure for most
Deficiency
Lender may pursue deficiency. After judicial foreclosure, th
Mediation
No mandatory statewide program.
Statute Citation
Okla. Stat. tit. 46, §§ 43-49
Redemption Period
No statutory right of redemption after foreclosure for most residential property. Oklahoma has abolished post-sale redemption for standard residential mortgages. The sale is final when the sheriff's deed is issued.
Deficiency Judgment Rule
Lender may pursue deficiency. After judicial foreclosure, the court enters a deficiency judgment as part of the foreclosure decree. Fair value hearing available.
Notice Requirements
Judicial: complaint served. Sheriff's sale after judgment. Non-judicial: power of sale under Oklahoma Power of Sale Mortgage Foreclosure Act. Notice published and posted.
Mediation Program
No mandatory statewide program.
Key Provisions
- Both judicial and non-judicial foreclosure available
- Power of Sale Mortgage Foreclosure Act for non-judicial
- No post-sale redemption
- Fair value hearing for deficiency
Homeowner Protections
- Choice of process (judicial has more protections)
- Fair value limitation on deficiency
- Judicial process with court oversight
Frequently Asked Questions
Can I redeem after a foreclosure in Oklahoma?+
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