Arkansas is primarily a non-judicial foreclosure state — most Arkansas residential mortgages use a deed of trust with a power of sale clause that allows the trustee to sell the property without court involvement. The trustee and the statutory foreclosure process are governed by A.C.A. § 18-50-101 through § 18-50-117. Arkansas requires a minimum of 60 days from the recording of the notice of default and intention to sell under A.C.A. § 18-50-104 to the foreclosure sale — longer than Tennessee's 21 days or Alabama's 21 days but shorter than non-judicial states with extended pre-sale periods. Arkansas provides no post-sale redemption period for most residential properties under the non-judicial process. Once the trustee sale occurs and the trustee's deed transfers under A.C.A. § 18-50-107, the homeowner's ownership is permanently terminated.
Arkansas's 60-day minimum notice period creates a defined pre-sale window — but the pre-notice period, before any formal notice is filed, is the optimal window where every modification program is accessible with maximum time and no formal deadline running.
Under A.C.A. § 18-50-104, the trustee must record a notice of default and intention to sell in the county where the property is located, and at least 60 days must elapse after recording before any sale can occur. Within 30 days of recording, the trustee must mail certified copies of the notice to the mortgagor and all interested parties. The notice must be published in a newspaper of general circulation in the county once per week for four consecutive weeks, with the final publication no less than 10 days before the sale date. Under A.C.A. § 18-50-106, the trustee must also record an affidavit confirming compliance with all mailing and publication requirements before the sale can proceed. Unlike Tennessee's 20-day minimum or Alabama's 21-day minimum, Arkansas's 60-day notice period provides somewhat more pre-sale runway — but it is still far shorter than the months provided by judicial states or states with extended pre-notice requirements.
Arkansas also allows judicial foreclosure through the courts — lenders can choose to proceed judicially, which takes longer but provides the homeowner with more formal intervention opportunities. Most Arkansas residential foreclosures proceed non-judicially because it is faster for the lender.
Arkansas Homeowners: Submit a Complete Application Before the Notice Is Filed
A complete modification application before the notice is filed keeps the matter in the servicer's administrative process. A professional submits that application immediately — before the servicer initiates the 60-day notice period.
See My Options →What happens after I submit my information?
A mortgage relief professional reviews your Arkansas loan situation, where you are in the foreclosure process, and your income to identify what options apply and what must happen to protect your home.
Once the trustee files and serves the formal foreclosure notice, the 60-day countdown begins. During this period, a modification application may still trigger dual tracking protections — but the application must be complete, and the 60-day window is not long enough for the full modification process to complete without a formal postponement from the servicer. Reinstatement — paying all past-due amounts, fees, and costs — is available before the sale. Bankruptcy can stop even a same-day sale. Once the trustee sale occurs and the deed transfers, Arkansas provides no post-sale redemption for most residential properties.
Arkansas Homeowners: Submit Before the 60-Day Notice to Keep Every Option Available
Arkansas’ non-judicial foreclosure requires a 60-day notice before the sale. A modification application submitted before the notice is filed keeps the matter in the servicer’s administrative process. Once the 60-day notice begins, a modification must race against an active deadline. Professional assessment right now identifies which window is still open.
See My Options →What is Arkansas’ foreclosure notice requirement?
Arkansas requires lenders to give 60 days’ written notice before a non-judicial foreclosure sale. This notice starts the formal clock. A modification submitted before the notice is filed avoids this deadline entirely.
Does Arkansas have post-sale redemption rights?
Arkansas does not provide a general post-sale redemption period for non-judicial foreclosures. The sale is largely final. Acting before the 60-day notice is filed is the most reliable path.
Arkansas allows deficiency judgments after non-judicial foreclosure under A.C.A. § 18-50-112. The lender has 12 months from the trustee sale to file suit for the deficiency balance. The deficiency judgment is capped at the lesser of: the total debt minus the property's fair market value, or the total debt minus the actual foreclosure sale price. This fair market value limitation means a lender who accepts an unreasonably low bid cannot recover an inflated deficiency — the judgment is capped at what the market says the property was worth at the time of sale. However, Arkansas provides no complete anti-deficiency protection: the lender may pursue the remaining balance up to these limits within the 12-month window.
Arkansas Homeowners: Find Out Which Stage You Are In and What Options Remain
Pre-notice modification, 60-day notice period, reinstatement — Arkansas's tools exist before the sale. A professional assessment identifies which are available now and what must happen before the sale date.
See My Options →Is there any cost to find out what I qualify for?
Submitting your information costs nothing. A professional reviews your situation and discusses your options before any commitment is made.
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Mortgage Options Network is operated by Pipeline Harbor Digital LLC. We connect homeowners with experienced mortgage relief professionals who can help evaluate their options.