District of Columbia Washington D.C. Foreclosure Law Legal Information Disclaimer

The information about District of Columbia Washington D.C. Foreclosure law and other legal information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; FRAUD STOPPERS and its members do not recommend or endorse the contents of the third-party sites.

Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter. No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, contributing law firms, or committee members and their respective employers.

The views expressed at, or through, this site are those of the individual authors writing in their individual capacities only – not those of their respective employers, FRAUD STOPPERS, or committee/task force as a whole. All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed. The content on this posting is provided “as is;” no representations are made that the content is error-free.

To get instant access to an affordable competent attorney click here

District of Columbia Washington D.C. Foreclosure Law

District of Columbia Washington D.C. Foreclosure Law

- Judicial Foreclosure Available: No

- Non-Judicial Foreclosure Available: Yes

- Primary Security Instruments: Deed of Trust

- Timeline: Typically 60 days

- Right of Redemption: No

- Deficiency Judgments Allowed: Yes

In Washington D.C., lenders may foreclose on deeds of trusts in default using the District of Columbia Washington D.C non-judicial foreclosure process.

District of Columbia Washington D.C. Non-Judicial Foreclosure

The District of Columbia Washington D.C non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A “power of sale” clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the District of Columbia Washington D.C foreclosure sale “Power of Sale Foreclosure Guidelines”.

Power of Sale Foreclosure Guidelines

If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed.

If the terms of the District of Columbia Washington D.C foreclosure sale are not established in the deed of trust, the lender, or his representative, must obtain a court order specifying the terms of the District of Columbia Washington D.C foreclosure sale.

However, no District of Columbia Washington D.C foreclosure sale may take place unless the lender gives written notice, by certified mail (return receipt requested), to the borrower at his last known address. This notice must also be sent to the Mayor of the District of Columbia, or his designated agent. Both notices must be sent at least thirty (30) days prior to the sale, with the thirty (30) day period beginning on the day the notice is received by the Mayor. This notice must be given in addition to any notices set forth by the court, the mortgage or the deed of trust.

In Washington D.C., lenders may obtain a deficiency judgment against the borrower for the difference between the foreclosure sale amount and the amount remaining on the original loan. The borrower has no rights of redemption.

More information on Washington D.C.’s foreclosure laws.