{"id":369125,"date":"2016-04-04T10:47:15","date_gmt":"2016-04-04T15:47:15","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/realestate\/foreclosure\/foreclosure-by-power-of-sale.html"},"modified":"2026-09-22T15:07:01","modified_gmt":"2026-09-22T20:07:01","slug":"foreclosure-by-power-of-sale","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-power-of-sale.html","title":{"rendered":"Foreclosure by Power of Sale"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-28f84493 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Foreclosure by Power of Sale<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/katrina-wilson-esq\/\">Katrina Wilson, Esq.<\/a>\n                | Last updated\n        <time>\n                            September 22, 2026\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <ul>\n<li>When a homeowner fails to make payments on their <span data-term-id=\"60070870\">home loan<\/span>, a <span data-term-id=\"60070845\">nonjudicial <\/span><span data-term-id=\"60070841\">foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> can occur in many states.<\/li>\n<li>A <span data-term-id=\"60070850\">power of sale<\/span><span data-term-id=\"60070850\"> clause<\/span> in a <span data-term-id=\"60070862\">mortgage deed<\/span> allows the <span data-term-id=\"60070842\">lender<\/span> to pursue the <span data-term-id=\"60070844\">foreclosure<\/span><span data-term-id=\"60070844\"> process<\/span> without going to court first.<\/li>\n<li>Homeowners have rights and legal protections during the <span data-term-id=\"60070844\">foreclosure<\/span><span data-term-id=\"60070844\"> process<\/span> \u2014 even if a court isn\u2019t managing the sale of the property.<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"fl-rich-text\">\n<p><span data-term-id=\"60070841\">Foreclosure<\/span> is a legal process that occurs when a <span data-term-id=\"60070846\">borrower<\/span> defaults on their <span data-term-id=\"60070855\">mortgage payments<\/span>. <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> involves the sale of the mortgaged property by the mortgage holder (<span data-term-id=\"60070842\">lender<\/span>) without the supervision of a court.<\/p>\n<p>If the bank threatens to sell your house to make up for unpaid <span data-term-id=\"60070855\">mortgage payments<\/span>, get legal advice promptly. A <a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/?fli=dcta\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"60070841\">foreclosure<\/span> attorney<\/a> can help you assess your options. Sometimes, it\u2019s possible to <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/avoiding-foreclosure.html\"><span data-term-id=\"60070847\">avoid <\/span><span data-term-id=\"60070841\">foreclosure<\/span><\/a> altogether. A lawyer can also support you during the forclosure process.<\/p>\n<h2>What Is <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">Power of Sale<\/span>?<\/h2>\n<p>When a mortgage <span data-term-id=\"60070842\">lender<\/span> (or trustee) has the <span data-term-id=\"60070843\">power of sale<\/span>, it can foreclose on a home by selling it to settle unpaid debt. <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> is known as <span data-term-id=\"60070845\">nonjudicial <\/span><span data-term-id=\"60070841\">foreclosure<\/span>. This process doesn\u2019t require a lawsuit.<\/p>\n<p>Proceeds from a <span data-term-id=\"60070856\">power of sale<\/span> <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\"><span data-term-id=\"60070849\">foreclosure<\/span><span data-term-id=\"60070849\"> proceeding<\/span><\/a> go first to the mortgage <span data-term-id=\"60070842\">lender<\/span> then to other <span data-term-id=\"60070869\">lien holders<\/span>. Finally, any remaining surplus funds from the sale go to the <span data-term-id=\"60070853\">mortgagor<\/span> (<span data-term-id=\"60070846\">borrower<\/span>).<\/p>\n<p><span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> is generally a more expedient way of foreclosing on a property than\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-judicial-sale.html\"><span data-term-id=\"60070841\">foreclosure<\/span> by judicial sale<\/a>. Since the court doesn\u2019t supervise the sale, the financial institution can operate on its own timeline.<\/p>\n<p>Both <span data-term-id=\"60070860\">types of <\/span><span data-term-id=\"60070841\">foreclosure<\/span> accomplish the same thing. However, there are also some difficulties associated with the <span data-term-id=\"60070856\">power of sale<\/span> <span data-term-id=\"60070844\">foreclosure<\/span><span data-term-id=\"60070844\"> process<\/span>.<\/p>\n<h2>State Laws Allowing <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">Power of Sale<\/span><\/h2>\n<p>The majority of states allow <span data-term-id=\"60070841\">foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span>. Currently, there are 30 states with state laws that allow <span data-term-id=\"60070841\">foreclosure<\/span> by the <span data-term-id=\"60070843\">power of sale<\/span>.<\/p>\n<p>These states include:<\/p>\n<ul>\n<li>Alabama<\/li>\n<li>Alaska<\/li>\n<li>Arizona<\/li>\n<li>Arkansas<\/li>\n<li>California<\/li>\n<li>Colorado<\/li>\n<li>District of Columbia<\/li>\n<li>Georgia<\/li>\n<li>Hawaii<\/li>\n<li>Idaho<\/li>\n<li>Maryland<\/li>\n<li>Massachusetts<\/li>\n<li>Michigan<\/li>\n<li>Minnesota<\/li>\n<li>Mississippi<\/li>\n<li>Missouri<\/li>\n<li>Montana<\/li>\n<li>Nebraska<\/li>\n<li>Nevada<\/li>\n<li>New Hampshire<\/li>\n<li>North Carolina<\/li>\n<li>Oregon<\/li>\n<li>Rhode Island<\/li>\n<li>South Dakota<\/li>\n<li>Tennessee<\/li>\n<li>Texas<\/li>\n<li>Utah<\/li>\n<li>Washington<\/li>\n<li>West Virginia<\/li>\n<li>Wyoming<\/li>\n<\/ul>\n<h2><span data-term-id=\"60070856\">Power of Sale<\/span> <span data-term-id=\"60070841\">Foreclosure<\/span> Rules and Homeowners\u2019 Rights<\/h2>\n<p>To ensure <a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/mortgage-borrowers-rights.html\">fairness for homeowners and <span data-term-id=\"60070846\">borrowers<\/span><\/a> without a court\u2019s oversight, this type of <span data-term-id=\"60070841\">foreclosure<\/span> carries many limitations and requirements, such as:<\/p>\n<ul>\n<li><span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> is often subject to judicial review if <a href=\"https:\/\/www.findlaw.com\/realestate\/buying-a-home\/what-does-title-mean.html\">title issues<\/a> need to be resolved by the court. This includes actual defects in the deed and disputes regarding the priority of various <span data-term-id=\"60070869\">lien holders<\/span> and lessees on the property.<\/li>\n<li>Under <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/federal-laws-affecting-foreclosure.html\">federal law<\/a>, this process usually can\u2019t begin until the <span data-term-id=\"60070846\">borrower<\/span> has fallen behind on mortgage payments for at least 120 days.<\/li>\n<li>In many jurisdictions, the mortgage holder is prohibited from seeking a <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-are-anti-deficiency-laws.html\"><span data-term-id=\"60070851\">deficiency judgment<\/span><\/a> if they sell the property through extrajudicial means.<\/li>\n<li>The <a href=\"https:\/\/www.findlaw.com\/realestate\/mortgages-equity-loans\/mortgage-basics.html\">mortgage loan document<\/a> itself must include a <span data-term-id=\"60070850\">power of sale<\/span><span data-term-id=\"60070850\"> clause<\/span> in order for this type of <span data-term-id=\"60070841\">foreclosure<\/span> to take place.<\/li>\n<li>A <span data-term-id=\"60070841\">foreclosure<\/span> by the <span data-term-id=\"60070843\">power of sale<\/span> cannot take place if the mortgage is in the form of an absolute deed.<\/li>\n<li>If the mortgage document contains a <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/regaining-ownership-after-foreclosure-statutory-redemption.html\"><span data-term-id=\"60070857\">right of redemption<\/span> clause<\/a>, the <span data-term-id=\"60070846\">borrower<\/span> has the right to reclaim the property before the <span data-term-id=\"60070841\">foreclosure<\/span> sale by paying off the mortgage.<\/li>\n<\/ul>\n<h3><span data-term-id=\"60070848\">Deed of Trust<\/span> and <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">Power of Sale<\/span><\/h3>\n<p>In many jurisdictions, a <a href=\"https:\/\/dictionary.findlaw.com\/definition\/deed.html\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"60070848\">deed of trust<\/span><\/a> is required in order to conduct a <span data-term-id=\"60070841\">foreclosure<\/span> by the <span data-term-id=\"60070843\">power of sale<\/span>. A <span data-term-id=\"60070848\">deed of trust<\/span> conveys the property from the mortgage holder to the trustee, who holds the property in trust for the mortgage holder.<\/p>\n<h3>Notice Requirements Before a <span data-term-id=\"60070856\">Power of Sale<\/span> <span data-term-id=\"60070841\">Foreclosure<\/span><\/h3>\n<p><span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> requires notice of the sale to interested parties. Generally speaking, this is done by taking out an advertisement in the local legal newspaper in the jurisdiction in which the property is located.<\/p>\n<p>Before starting the <span data-term-id=\"60070841\">foreclosure<\/span>-by-sale process, a mortgage holder must strictly follow state laws and provide the following:<\/p>\n<ul>\n<li>A valid notice of default to the <span data-term-id=\"60070846\">borrower<\/span><\/li>\n<li>An appropriate pre-<span data-term-id=\"60070841\">foreclosure<\/span> waiting period<\/li>\n<li>A <span data-term-id=\"60070852\">notice of sale<\/span> to the homeowner<\/li>\n<\/ul>\n<h2>The <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">Power of Sale<\/span> Process<\/h2>\n<p>In the instance of <span data-term-id=\"60070841\">foreclosure<\/span>, the trustee, not the mortgage holder, conducts the sale or <span data-term-id=\"60070841\">foreclosure<\/span> auction of the mortgaged property. The mortgage holder generally instructs the trustee to foreclose on the mortgage and is under no obligation to determine whether the <span data-term-id=\"60070841\">foreclosure<\/span> is justified.<\/p>\n<p>A <span data-term-id=\"60070848\">deed of trust<\/span> and trustee-supervised <span data-term-id=\"60070841\">foreclosure<\/span> allows the mortgage holder to bid for the foreclosed property at the <span data-term-id=\"60070859\">public auction<\/span>, provided the trustee and the mortgage holder are not closely associated. Otherwise, a mortgage holder cannot bid for the mortgaged real estate when the <span data-term-id=\"60070841\">foreclosure<\/span> is by the <span data-term-id=\"60070843\">power of sale<\/span>.<\/p>\n<h2>Is a <span data-term-id=\"60070841\">Foreclosure<\/span> by <span data-term-id=\"60070843\">Power of Sale<\/span> Unconstitutional?<\/h2>\n<p>This procedure has resulted in some constitutional controversy. It has been argued in several cases that <span data-term-id=\"60070841\">foreclosure<\/span> by <span data-term-id=\"60070843\">power of sale<\/span> legislation fails to comply with the notice and hearing requirements of the <a href=\"https:\/\/constitution.findlaw.com\/amendment14.html\" target=\"_blank\" rel=\"noopener\">Fourteenth Amendment<\/a> of the U. S. Constitution.<\/p>\n<p>But courts have consistently rejected this theory when it comes to private <span data-term-id=\"60070854\">foreclosure<\/span><span data-term-id=\"60070854\"> actions<\/span> with no public official conducting the <span data-term-id=\"60070841\">foreclosure<\/span> sale. They have ruled that there is no state action necessary to invoke the terms of the Fourteenth Amendment.<\/p>\n<p>Yet, there have been rulings indicating that if the mortgage holder is a government entity or if a public official conducts the <span data-term-id=\"60070841\">foreclosure<\/span> sale the Fourteenth Amendment might be invoked. In that case, stricter notice requirements might apply.<\/p>\n<h2>Speak to a <span data-term-id=\"60070841\">Foreclosure<\/span> Attorney Today<\/h2>\n<p>No one should have to face <span data-term-id=\"60070841\">foreclosure<\/span> alone. It can be both frustrating and intimidating to deal with.\u00a0If you are facing <span data-term-id=\"60070841\">foreclosure<\/span>, consider speaking with a\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/?fli=dcta\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"60070841\">foreclosure<\/span> attorney<\/a>\u00a0to ensure that your rights are protected during the process.<\/p>\n<\/div>\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Many real estate processes can be handled on your own or with the help of a realtor\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Some tenant or neighbor disputes may need the help of local police\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex real estate issues (such as construction defects or illegal landlord actions) may need the support of an attorney\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Buying or selling a home, facing foreclosure, or mortgage loan issues can benefit from legal expertise. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/#USER_GEO\/?fli=esum:FL43\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n\n<div class=\"email-subscription\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745902396\/ability-law\/wp-prod\/general-components-subscribe-module-Image-subscribeModule_1\/general-components-subscribe-module-Image-subscribeModule_1.png?_i=AA\"\n                alt=\"\"\n                loading=\"lazy\"\n            \/>\n        <\/div>\n    <\/div>\n\n    <div class=\"email-subscription-content fl-flex fl-flex-wrap\">\n        <div class=\"email-subscription-content-text fl-mb25\">\n            <h4 class=\"fl-no-margin\">Enter your email address to subscribe<\/h4>\n        <\/div>\n\n        <form class=\"email-subscription-content-form\">\n            <input type=\"hidden\" name=\"distributionList\" value=\"latl\" \/>\n            <label for=\"email-subscription-content-form-group-input\" class=\"fl-text-sm-bold\">Email (Required)<\/label>\n            <div class=\"email-subscription-content-form-group\">\n                <input id=\"email-subscription-content-form-group-input\" name=\"email\" autocomplete=\"email\"\/>\n                <button type=\"submit\" aria-label=\"Submit\">\n                    <i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n                <\/button>\n            <\/div>\n            <p class=\"email-subscription-content-form-success subscribe-success-message fl-text-sm-bold\" aria-hidden=\"true\" role=\"status\">Thank you for subscribing!<\/p>\n            <p class=\"email-subscription-content-form-error subscribe-error-message fl-text-sm-bold\" role=\"alert\" aria-hidden=\"true\"><\/p>\n\n            <div id=\"email-subscription-content-form-recaptcha\" class=\"email-subscription-content-form-recaptcha subscribe-recaptcha\"\n                data-sitekey=\"0x4AAAAAACCzz9CV0ZsvAbzx\"><\/div>\n        <\/form>\n\n        <div class=\"email-subscription-content-footer fl-text-sm\">\n            <p><a href=\"https:\/\/newsletters.findlaw.com\/\" target=\"_blank\" rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<section\n        class=\"fl-google-preferred-card fl-flex fl-flex-column fl-items-center fl-gap10 fl-text-center fl-mt30 fl-mb30\"\n        data-testid=\"google-preferred-card\"\n>\n    <h2\n            class=\"fl-google-preferred-card-title fl-no-margin\"\n            data-testid=\"google-preferred-card-title\"\n    >\n        Did FindLaw Help You Understand This Legal Issue?\n    <\/h2>\n    <p\n            class=\"fl-google-preferred-card-paragraph fl-text-sm fl-no-margin\"\n            data-testid=\"google-preferred-card-paragraph\"\n    >\n        Make It a Preferred Google Search Source\n    <\/p>\n    <a href=\"https:\/\/www.google.com\/preferences\/source?q=https:\/\/www.findlaw.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"fl-button fl-link-button secondary fl-google-preferred-card-button google-pref-link fl-mt20\" aria-disabled=\"false\" data-testid=\"google-preferred-card-link\" aria-label=\"Google Preferred\">\n    <span\n            class=\"fl-button-start-icon fl-flex fl-items-center\"\n            data-testid=\"google-preferred-card-icon\"\n    >\n      <svg\n              width=\"18\"\n              height=\"18\"\n              viewBox=\"0 0 18 18\"\n              fill=\"none\"\n              xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n              aria-hidden=\"true\"\n      >\n        <path\n                d=\"M17.64 9.2c0-.637-.057-1.251-.164-1.84H9v3.481h4.844c-.209 1.125-.843 2.078-1.796 2.716v2.259h2.908c1.702-1.567 2.684-3.875 2.684-6.615z\"\n                fill=\"#4285F4\"\n        ><\/path>\n        <path\n                d=\"M9 18c2.43 0 4.467-.806 5.956-2.184l-2.908-2.259c-.806.54-1.837.86-3.048.86-2.344 0-4.328-1.584-5.036-3.711H.957v2.332A8.997 8.997 0 0 0 9 18z\"\n                fill=\"#34A853\"\n        ><\/path>\n        <path\n                d=\"M3.964 10.706A5.41 5.41 0 0 1 3.682 9c0-.593.102-1.17.282-1.706V4.962H.957A8.996 8.996 0 0 0 0 9c0 1.452.348 2.827.957 4.038l3.007-2.332z\"\n                fill=\"#FBBC05\"\n        ><\/path>\n        <path\n                d=\"M9 3.58c1.321 0 2.508.454 3.44 1.345l2.582-2.58C13.463.891 11.426 0 9 0A8.997 8.997 0 0 0 .957 4.962L3.964 7.294C4.672 5.163 6.656 3.58 9 3.58z\"\n                fill=\"#EA4335\"\n        ><\/path>\n      <\/svg>\n    <\/span>\n        <span class=\"fl-button-content\">Add to Google<\/span>\n    <\/a>\n<\/section>\n\n<div class=\"general-list\">\n    <h3>Helpful Links<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/buying-a-home.html\">\n                        Buying a Home\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law.html\">\n                        Landlord-Tenant Law\n                    <\/a>\n                <\/li>\n                                                <li class=\"fl-list-item fl-flex\">\n                    <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/neighbors\/neighbor-disputes.html\">\n                        Neighbor Disputes\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/\" target=\"_blank\" rel=\"noopener\">Foreclosure and Alternatives Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/housing-construction-defects\/\" target=\"_blank\" rel=\"noopener\">Housing and Construction Defects Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/\" target=\"_blank\" rel=\"noopener\">Landlord and Tenant Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/land-use-zoning\/\" target=\"_blank\" rel=\"noopener\">Land Use and  Zoning Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/\" target=\"_blank\" rel=\"noopener\">Real Estate Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/eminent-domain\/\" target=\"_blank\" rel=\"noopener\">Eminent Domain Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/construction-law\/\" target=\"_blank\" rel=\"noopener\">Construction Law Attorneys<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Foreclosure by power of sale involves the sale of the mortgaged property by the mortgage holder without the oversight of a court. Learn about deed of trust, constitutional issues, how it differs from foreclosure by judicial sale, and much more at FindLaw.com<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":369116,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","_cf_multicollab_revision_bundle":"","footnotes":"","cf_checklist_status":["SEO Title Length","Content Word Count","External Links","Alt Text for All Images","Category Assigned"]},"categories":[2741],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-369125","page","type-page","status-publish","hentry","category-realestate"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=369125"}],"version-history":[{"count":3,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369125\/revisions"}],"predecessor-version":[{"id":413905,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369125\/revisions\/413905"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369116"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=369125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=369125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=369125"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=369125"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=369125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}