Stop foreclosure in Arkansas.

How foreclosure works in Arkansas

• Most lenders use the faster non-judicial statutory foreclosure process
• The notice must be recorded and mailed at least 60 days before the sale
• Judicial foreclosure remains available and adds months when lenders choose it

Redemption & second chances

No redemption in non-judicial foreclosures; limited rights in judicial cases.

What this means for you

In Arkansas the process a lender picks changes your timeline by months. Either way, the 60-day statutory notice period is the window where forbearance, repayment plans, and assistance-fund applications do their best work.

Your options in Arkansas

Every tool in the national playbook works in Arkansas — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short