In Washington DC, lenders may use non-judicial foreclosure on properties in default. The non-judicial process allows the lender or trustee to sell the property if a power of sale clause exists in the deed of trust or mortgage. For a non-judicial foreclosure, the lender must provide written notice at least 30 days prior to sale to the borrower and Mayor. Lenders can pursue deficiency judgments against borrowers for unpaid amounts following foreclosure. Borrowers have no right of redemption in Washington DC.

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Washington DC Foreclosure Law Summary
WHAT IS A SHORT SALE
Quick Facts
WHY USE SHORT SALE US
- Judicial Foreclosure Available: No
SUCCESS STORIES
- Non-Judicial Foreclosure Available: Yes
WHO QUALIFIES FOR A SHORT SALE
- Primary Security Instruments: Deed of Trust
FAQs
- Timeline: Typically 60 days
SHORT SALE NEWS
- Right of Redemption: No
VALUE YOUR HOME
- Deficiency Judgments Allowed: Yes
STATE FORCLOSURE LAWS
In Washington D.C., lenders may foreclose on deeds of trusts in default using
CONTACT US the non-judicial foreclosure process.
HIRE US Non-Judicial Foreclosure
The non-judicial process of foreclosure is used when a power of sale clause
exists in a mortgage or deed of trust. A "power of sale" clause is the clause in
a deed of trust or mortgage, in which the borrower pre-authorizes the sale of
property to pay off the balance on a loan in the event of the their default. In
deeds of trust or mortgages where a power of sale exists, the power given to
the lender to sell the property may be executed by the lender or their
representative, typically referred to as the trustee. Regulations for this type of
foreclosure process are outlined below in the "Power of Sale Foreclosure
Guidelines".
Power of Sale Foreclosure Guidelines
If the deed of trust or mortgage contains a power of sale clause and specifies
the time, place and terms of sale, then the specified procedure must be
followed.
If the terms of the sale are not established in the deed of trust, the lender, or
his representative, must obtain a court order specifying the terms of the sale.
However, no foreclosure sale may take place unless the lender gives written
notice, by certified mail (return receipt requested), to the borrower at his last
known address. This notice must also be sent to the Mayor of the District of
Columbia, or his designated agent. Both notices must be sent at least thirty
(30) days prior to the sale, with the thirty (30) day period beginning on the day
the notice is received by the Mayor. This notice must be given in addition to
any notices set forth by the court, the mortgage or the deed of trust.
In Washington D.C., lenders may obtain a deficiency judgment against the
borrower for the difference between the foreclosure sale amount and the
amount remaining on the original loan. The borrower has no rights of

2. redemption.
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