Free tool
See the dates in your statutory foreclosure process
Arkansas foreclosure usually skips the courts entirely: the lender sells the house under the Statutory Foreclosure Act after recording a Notice of Default, waiting at least 60 days, and publishing notice for four consecutive weeks. Enter the date of a missed payment — or pick a sale month — and this free calculator estimates each date in that process. In Arkansas, most foreclosures happen outside of court under the Statutory Foreclosure Act. Once the lender records a notice of default, state law requires at least 60 more days before the sale — and in an uncontested case the whole process usually takes about four to six months from the first missed payment to the sale, and longer if the case goes through the courts or is contested.
Estimates use the date you enter. For most loans, federal rules generally bar the servicer from starting a foreclosure until the loan is more than 120 days delinquent (12 C.F.R. § 1024.41), and Arkansas law requires a pre-foreclosure notice packet at least 10 days before the process starts (Ark. Code § 18-50-103) — individual loans vary.
We estimate for a sale on the 1st of the month you choose. Arkansas statutory sales happen between 9 a.m. and 4 p.m., at the front door of the county courthouse or at the property, on the date stated in the published notice — real dates vary by lender and county.
An Arkansas foreclosure sale can follow just 60 days after the Notice of Default is recorded — and after the sale there is no redemption period to fix things. A direct sale pays off the loan at closing and ends the process for this property. We will look at your house exactly as it sits and make a fair cash offer within 24 hours — free, with zero obligation.
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Estimates only. Lenders set real sale dates on their own calendars, sales get postponed, and individual mortgages can require extra steps that stretch these dates. This tool is general information about Arkansas foreclosure law, not legal advice; for advice about your case, talk to an Arkansas attorney or a HUD-approved housing counselor. A sale may not end the debt, either — if the house sells for less than you owe, the lender has 12 months to pursue a deficiency, capped at the lesser of the debt minus the home's fair market value or the debt minus the sale price (Ark. Code § 18-50-112). And after a statutory sale there is no redemption period in Arkansas — the decision point is before the sale, which is exactly why this calculator exists. If you would rather sell the house before the sale date, Wise Revival buys Arkansas houses directly for cash: no fees, no commissions, an offer in 24 hours, and closing on a date you pick — before the sale. We never charge for advice and we make no rescue promises: just a straightforward purchase offer you can accept or decline.
Related: Foreclosure in Arkansas, explained · Behind on payments? · We buy houses in Arkansas
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