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Navigating the Foreclosure Process in Oklahoma County: A Detailed Guide

Foreclosure can be a stressful and overwhelming experience for homeowners in Oklahoma County. It's important to understand the foreclosure process and the steps that can be taken to prevent it from happening. In this article, we will provide a detailed guide on the foreclosure process in Oklahoma County, including the cost, time required, and steps involved. We will also discuss ways to speed up the process and options for homeowners to stop a foreclosure, as well as providing some statistics about the average number of foreclosures in Oklahoma County each year.



Here's a summary of the steps involved in the foreclosure process in Oklahoma County:

  • Homeowner falls behind on mortgage payments: The homeowner is considered to be in default when they miss payments, and the lender can file a notice of default to start the foreclosure process.

  • Lender attempts to work out a repayment plan or loan modification with homeowner: Before proceeding with the foreclosure, the lender will try to reach an agreement with the homeowner to bring the payments current and avoid foreclosure.

  • Lender files notice of default: After the homeowner is unable to reach an agreement with the lender, the lender will file the notice of default, which is a public document that informs the homeowner and other interested parties that the property is in default.

  • Homeowner has 90 days to bring payments current: After the notice of default is filed, the homeowner has 90 days to bring their payments current or the lender can proceed with the foreclosure sale.

  • Notice of default is published in local newspaper for 4 weeks: As a part of the foreclosure process, the notice of default will be published in a local newspaper for four weeks, to make all the parties aware of the property being in default.

  • Lender sets date for foreclosure sale: If the homeowner is unable to bring their payments current within 90 days, the lender will set a date for the foreclosure sale, which is typically held at the county courthouse.

  • Foreclosure sale: On the date set by the lender, the property will be sold at the courthouse to the highest bidder.

The cost of a foreclosure in Oklahoma County varies, but typically includes court filing fees, publication fees, and the cost of hiring a trustee to conduct the sale. The filing fee for a foreclosure case in Oklahoma County is typically around $300, but this fee can vary depending on the specific court. Additionally, publication fees can range from $150 to $300, and the cost for hiring a trustee can range from $500 to $1000.


The foreclosure process in Oklahoma County can take several months, but it can be speeded up by the lender if the homeowner is unable to bring their payments current. The average time it takes for a foreclosure in Oklahoma County from beginning to end can vary, but typically it takes around 6-9 months.


According to data from the Oklahoma Association of Realtors, the number of foreclosures in Oklahoma County has been relatively stable in recent years. The average number of foreclosures in Oklahoma County per year is around 700-1000. However, it's important to note that the number of foreclosures can fluctuate depending on the overall state of the economy.

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