Utah

Utah Code § 57-1-19. Non-Judicial foreclosure state.

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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?+

Yes. After a non-judicial trust deed foreclosure (which is how almost all Utah residential foreclosures proceed), lender CANNOT pursue a deficiency judgment. Utah Code § 57-1-32 says the trust deed foreclosure sale satisfies the debt. This means: you lose the home, but you owe nothing further. If the lender forecloses judicially (rare for residential), deficiency IS available — but this is uncommon.

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