North Dakota Redemption Rights — Reclaiming Your Property After Sale
Reinstatement before sale and statutory redemption after sale — your rights to keep or reclaim your home in North Dakota.
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 North Dakota | Yes — within 30 days after service of the notice before foreclosure — owner may perform the conditions in default to reinstate the mortgage (§ 32-19-28) | Yes — 60 days after the sheriff's sale; agricultural land may be redeemed within 365 days after the summons and complaint are filed or the notice by advertisement is first published, but not earlier than 60 days after the sale; different rules apply to abandoned property (§ 32-19-19) §32-19-18 |
| Effect | Loan continues as if no default | Property returned to borrower; sale reversed |
Reinstatement
North Dakota allows reinstatement — paying all past-due amounts, fees, and costs to bring the loan current and stop the foreclosure. The deadline to reinstate is within 30 days after service of the notice before foreclosure — owner may perform the conditions in default to reinstate the mortgage (§ 32-19-28).
Statutory redemption
After the foreclosure sale, a party to the foreclosure action or a party's successor; the owner has a paramount right to redeem, and subordinate lienholders redeem in order of lien priority may redeem the property within 60 days after the sheriff's sale; agricultural land may be redeemed within 365 days after the summons and complaint are filed or the notice by advertisement is first published, but not earlier than 60 days after the sale; different rules apply to abandoned property (§ 32-19-19) §32-19-18. 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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