How Long Can You Stay in a Foreclosed Home in Michigan?

Michigan law provides a statutory redemption period allowing former homeowners to remain in possession after a sheriff's sale:

⏱️ The Two Timelines (Whichever Is Shorter)

• 6 months from the date of the sheriff's sale, OR
• 8 months from the last mortgage payment date — but only if that payment was made more than 4 months before the sale

📋 Key Details

• Applies to mortgage foreclosures by advertisement (non-judicial, most common)
• Judicial foreclosures may have different timelines
• During redemption: former owner retains possession; purchaser cannot evict
• Redemption = paying full sale price + interest + costs to reclaim title
• If not redeemed: purchaser gets deed; eviction proceedings begin

⚠️ Critical Notes

• This is not legal advice. Foreclosure law is technical; timelines have exceptions.
• Consult a Michigan foreclosure attorney or legal aid clinic immediately upon receiving sale notice.
• Federal CARES Act protections (if applicable) may extend timelines for certain loans.

Michigan's redemption period is among the nation's most generous—use it wisely.