What Delays a Mortgage Foreclosure

Six hundred days. That's how long, on average, mortgage loans in the foreclosure process in New York have been delinquent.

That's the longest average in the nation, but not by much, according to LPS Applied Analytics, in Jacksonville, Fla. Loans in foreclosure in Florida, New Jersey, Hawaii and Maine have been delinquent more than 500 days, on average, while home loans in California and Nevada have been delinquent 461 and 427 days, respectively. In the two speediest states, Nebraska and Wyoming, loans in the foreclosure process are delinquent by an average of 358 days.

Those statistics raise a question: Why do foreclosures take so long?

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