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Foreclosure Law in Ohio: Residential Foreclosure

This guide provides an overview of foreclosure law in Ohio.

Resources at the Hamilton County Law Library

About this Guide

This guide is intended to provide basic information about foreclosure law in Ohio. 

DisclaimerHamilton County Law Library staff, as a service to its patrons, provides reference services and information, including these research guides. To protect the public interest, Ohio law requires that legal advice and services be rendered only by qualified attorneys who are subject to the guidelines of the courts. Library staff members do not interpret the law, provide legal advice, or explain court procedures. The information provided is not a substitute for legal advice from a licensed attorney.  None of our services shall be construed as giving legal advice.

Ohio Laws and Rules

Below you will find a list of some potentially useful Ohio laws related to foreclosures.

O.R.C. Chapter 2329 - Execution Against Property

O.R.C.§ 2323.06 - Mortgagor and Mortgagee Mediation

O.R.C. § 2323.07 - Sale of Foreclosed Property

O.R.C. § 2113.47 - Foreclosure of Mortgage

O.R.C. 2103.041 - Judicial Sale of Dower Interest without consent of spouse

O.R.C. § 323.47- Lien on land to be discharged out of proceeds of sale.

Ohio Rules of Civil Procedure

Federal Laws

Below you will find a list of some potentially relevant federal laws:

15 U.S.C. §§ 1692 et seq. - Fair Debt Collection Act

28 U.S.C. § 2410(c)  - Federal Rights of Redemption

50 U.S.C. §§ 501 et seq. - Servicemember's Civil Relief Act

Foreclosure Information

Below you will find some information about foreclosure law in Ohio:

Avoid Foreclosure Ohio - an informational site about how homeowners can avoid foreclosure, created as a collaborative effort between Pro Seniors, Inc., the Ohio Poverty Law Center and the Legal Aid Societies of Ohio.

Ohio Attorney General: Foreclosure - News and information about foreclosure law and issues in Ohio.

Foreclosure Questions and Answers - Ohio Legal Services

Before Foreclosure: What you Should Know - Ohio State Bar Association

After Foreclosure: What you Should Know - Ohio State Bar Association

Mortgage Foreclosure Timeline - Robert A. Goering, Hamilton County Treasurer

Are you Facing Foreclosure? - Tracy Winkler, Hamilton County Clerk of Courts

An Overview of the Home Foreclosure Process - Federal Housing Finance Agency: Office of the Inspector General (not Ohio-specific)

Resources for Homeowners to Avoid Foreclosure

Below you will find information about some resources that help homeowners avoid foreclosure:

Save the Dream Ohio - This page provides information about a multiple agency foreclosure prevention initiative that connects homeowners at risk of foreclosure with HUD-approved housing counseling agencies.

Making Home Affordable - This page provides information about a program of the U.S. Department of the Treasury and Housing and Urban Development that helps financially distressed homeowners in avoiding foreclosure and exploring financial options.

HUD - Avoiding Foreclosure - This site contains a summary of the federal programs designed to help homeowners avoid foreclosure.

Where to Get Help - Robert A. Goering, Hamilton County Treasurer - This page contains information about resources in Hamilton County for those facing foreclosure.

Tenant Issues in Foreclosure

Below you will find information for tenants about their rights when their landlord is involved in a foreclosure.

Protecting Tenants at Foreclosure Act of 2009

Information for Tenants - Save the Dream Ohio

Tenant's Rights Regarding Foreclosure - Ohio Attorney General

Subject Guide

Contact Us

The Law Library is open Courthouse hours, Monday-Friday, 8:00-4:00. 

For directions to the library, see: http://lawlibrary.hamiltoncountyohio.gov/about/directions/.

We cannot provide research by phone or email, except for governmental officials and subscribers.  Please come into the library for research guidance and self-help.

In person: Hamilton County Courthouse 1000 Main Street, 6th floor Cincinnati, Ohio 45202

By phone: 513.946.5300

On the web: http://lawlibrary.hamilton-co.org/

By fax: 513.946.5252

By email: reference@cms.hamilton-co.org