Is Pennsylvania a judicial or non-judicial foreclosure state?

Pennsylvania is a judicial foreclosure state. The typical foreclosure timeline is 3 - 9 Months. Pennsylvania primarily uses Mortgages.

How long does foreclosure take in Pennsylvania?

Foreclosure in Pennsylvania typically takes 3 - 9 Months. Average foreclosure costs run approximately $6,406.

Is there a redemption period after foreclosure in Pennsylvania?

Yes, Pennsylvania has a redemption period of None after foreclosure.

Mortgage Note Investing in Pennsylvania

Foreclosure law, the gotchas, lender distress, deal flow, vendors & county due-diligence for Pennsylvania, on one page.

County records & DD lookup

State Overview

Foreclosure law, the gotchas, and market activity for Pennsylvania are below.

Foreclosure, legal & tax profile

Foreclosure process: Judicial
Timeline: 3 - 9 Months
Typical cost: $6,406
Security instrument: Mortgage
Tax sale type: Tax Deed
Redemption: None
Deficiency judgment: Yes

Learn the terms: Judicial foreclosure · Mortgage · Right of redemption

Foreclosure law summarized from public statutes — confirm current law with local counsel.

Things to watch in Pennsylvania

Limited legal-fee recoveryStatute or case law limits recovering attorney fees and certain costs from the borrower — model a lower net recovery.

State-level legal flags, reviewed 2026-06-16 — verify current law with local counsel before relying on them.

Deal Flow

13 notes available now in Pennsylvania.

Browse Pennsylvania notes for sale →

Cherry-Pick Mixed NPL Pool — June 2026 — 2 in Pennsylvania · Accepting Bids
Cherry-Pick Junior NPL Pool — March 2026 — 5 in Pennsylvania · Sold
Cherry-Pick Mixed NPL Pool — April 2026 — 3 in Pennsylvania · Bidding Closed

Insider's Trade Desk — Pennsylvania

1 live deal touching Pennsylvania — view on Mastermind →

Lender Distress

Banks & credit unions headquartered in Pennsylvania. See the national Texas-Ratio ranking →

TIOGA-FRANKLIN SAVINGS BANK — Texas ratio 0.9655101621843564
ENTERPRISE BANK — Texas ratio 0.9336355350889817
UNITED BANK OF PHILADELPHIA — Texas ratio 0.39249720044792835
EAST END FOOD COOPERATIVE — Texas ratio 0.37487514478515527
PINPOINT — Texas ratio 0.3734233853598818
MAUCH CHUNK TRUST CO — Texas ratio 0.3648886753163543
COLFAX POWER PLANT EMPLOYEES — Texas ratio 0.35125130018722694
HILL DISTRICT — Texas ratio 0.27697847667707787
ARIZE — Texas ratio 0.2265993473536983
MERIDIAN BANK — Texas ratio 0.22089064312508475

Vendors

43 vetted vendors serving Pennsylvania — 21 Attorney, 2 Collateral Custodian, 11 Data Provider, 1 Debt Collector, 2 IRA Custodian, 3 Servicer, 3 Technology.

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