Alabama Redemption Rights — Reclaiming Your Property After Sale
Reinstatement before sale and statutory redemption after sale — your rights to keep or reclaim your home in Alabama.
Pre-sale reinstatement vs. post-sale redemption
| Reinstatement | Redemption | |
|---|---|---|
| When | Before the foreclosure sale | After the foreclosure sale |
| Amount owed | Arrears + fees + costs | Full loan balance + fees + costs |
| Available in Alabama | Limited | Yes — 180 days for residential property on which a homestead exemption was claimed in the tax year of the sale; 1 year for all other property §6-5-248 |
| Effect | Loan continues as if no default | Property returned to borrower; sale reversed |
Reinstatement
Alabama does not have a specific statutory reinstatement right. Check your loan documents — many mortgages include a contractual reinstatement provision.
Statutory redemption
After the foreclosure sale, borrower, debtor, surety, guarantor, transferee of debtor/mortgagor interest, spouses, children, heirs, or devisees may redeem the property within 180 days for residential property on which a homestead exemption was claimed in the tax year of the sale; 1 year for all other property §6-5-248. To redeem, you must pay the full sale price (or the full debt, depending on state law) plus interest and costs. During the redemption period, the borrower may retain possession in some states.
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Frequently Asked Questions
General answers to common questions. Specific outcomes depend on your facts and timing.
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