Utah
Utah Code § 57-1-19. Non-Judicial foreclosure state.
Response within 24 hours
Response within 24 hours
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial trustee
Deficiency
After a non-judicial trust deed foreclosure: deficiency is P
Mediation
No mandatory statewide program, but Utah Housing Corporation
Statute Citation
Utah Code Ann. §§ 57-1-19 to 57-1-38
Redemption Period
No statutory right of redemption after non-judicial trustee sale. The sale is final. Judicial foreclosure may provide redemption under limited circumstances.
Deficiency Judgment Rule
After a non-judicial trust deed foreclosure: deficiency is PROHIBITED (Utah Code § 57-1-32). For judicial foreclosures: deficiency permitted with fair value limitation.
Notice Requirements
Notice of default recorded and mailed at least 3 months before sale. Notice of trustee sale recorded, published 3 times, and posted. Utah has detailed requirements.
Mediation Program
No mandatory statewide program, but Utah Housing Corporation provides foreclosure prevention counseling.
Key Provisions
- Non-judicial trust deed foreclosure is standard
- 3-month default notice period
- Deficiency PROHIBITED after non-judicial foreclosure
- No post-sale redemption
Homeowner Protections
- No deficiency after non-judicial foreclosure — strong anti-deficiency
- 3-month default notice provides meaningful time for loss mitigation
- Strict notice requirements
- Utah Housing Corporation counseling resources
Frequently Asked Questions
Am I protected from deficiency in Utah?+
Ready to Protect Your Home?
Every day matters when facing foreclosure. Get your free, confidential consultation and learn your options — no obligation.
Available Monday–Friday · 10:00 AM – 6:00 PM Pacific