Arkansas uses non-judicial foreclosure with a 60-day timeline. AR offers strong statutory protections including a 1-year redemption right for certain mortgages. Free consultation.
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Arkansas is a non-judicial foreclosure state where the process takes approximately 60-90 days under the Statutory Foreclosure Act (Ark. Code Ann. §18-50-101). Arkansas uses a deed of trust system with a statutory right to cure — you can reinstate the loan by paying past-due amounts up to 10 days before the sale. AR also provides limited deficiency protections: if the sale price is less than the debt, the lender must file a separate lawsuit and the deficiency is limited to the difference between debt and fair market value.
Arkansas is primarily non-judicial — the Statutory Foreclosure Act allows lenders to foreclose without court involvement. Judicial foreclosure exists but is less common. In a non-judicial process: (1) the trustee must record a notice of default and provide at least 10 days notice before the sale, (2) the sale is held at the county courthouse, and (3) you have the right to cure up to 10 days before the sale date. There is no post-sale right of redemption in AR, but deficiency judgments are limited to fair market value.
The trustee sends a notice of default. Under the Statutory Foreclosure Act, the sale date must be at least 60 days after the notice. You have the right to cure up to 10 days before sale. This is your window for reinstatement, modification, or bankruptcy.
The notice of sale is published and posted. The sale date must be at least 10 days after the notice. You can still cure up to 10 days before sale. AR's statutory right to cure is a strong protection.
The sale is held at the county courthouse. Arkansas has no post-sale redemption period. The winning bidder receives a trustee's deed. If the lender seeks a deficiency, it must file a separate suit and the deficiency is limited to fair market value difference.
Cure up to 10 days before sale. Pay past-due amounts plus costs to reinstate.
Any deficiency is limited to debt minus fair market value — not the auction price.
The notice must give at least 60 days before sale, providing a meaningful window.
All sales occur at the county courthouse — providing transparency.
AR homestead exemption protects up to $2,500 of equity (unlimited acreage).
Lender must file a separate lawsuit for deficiency, giving you procedural opportunities.
Arkansas' right to cure and FMV cap give you leverage:
Use your statutory right to cure up to 10 days before sale by paying past-due amounts.
Use the 60-day window to negotiate new terms. AR timeline gives you leverage.
Automatic stay immediately stops the trustee sale. AR allows federal exemptions.
If lender seeks deficiency, we fight to limit it to FMV — often eliminating it entirely.
Sell or transfer with lender approval. AR's FMV cap limits your exposure.
Audit your mortgage for violations under the Statutory Foreclosure Act.
Cure up to 10 days before sale. Free, confidential review. No obligation.
Arkansas uses non-judicial foreclosure under a power of sale. The process takes about 60 days. AR offers a 1-year statutory right of redemption for certain mortgages. Deficiency judgments are limited under AR's fair market value rule.
Lender sends notice. 10-day right to cure. Opportunity to negotiate.
Published for 4 weeks. 10-day notice to homeowner. Trustee sale scheduled.
Auction held. 1-year redemption for certain loans. FMV deficiency limit.
AR gives you a year to redeem after the sale on qualifying mortgages. Don't wait. Free consultation.