Stop foreclosure in Rhode Island.

How foreclosure works in Rhode Island

• Rhode Island requires a mediation conference notice before most owner-occupied foreclosures
• Sale requires published notice and certified mail to the homeowner
• The mediation coordinator process can pause sales for non-compliant lenders

Redemption & second chances

3-year statutory redemption exists in limited circumstances; effectively none after standard sales.

What this means for you

Rhode Island's mediation prerequisite is a checkpoint with teeth — foreclosures have been voided over non-compliance. Show up to that conference with a complete workout package and the smallest state's process becomes surprisingly navigable.

Your options in Rhode Island

Every tool in the national playbook works in Rhode Island — 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