square When Does Foreclosure Start In Virginia? Foreclosure Defense Lawyer
Select Page

When does Foreclosure start?

Stop Foreclosure - Virginia Beach, Norfolk, Chesapeake, Portsmouth, Suffolk, Newport News, Hampton, Yorktown, Richmond, Chesterfield, Henrico

While there is no requirement to wait a certain period of time under Virginia state law, most mortgage lenders will wait for a minimum of three missed monthly payments before beginning the foreclosure process.

When does foreclosure start?

Generally, on the fourth missed payment the handling of the loan will be transferred within the mortgage company from the “loss mitigation” department to the “foreclosure department”.  For the mortgage company, this is when the foreclosure process has begun.

You will receive a letter from the mortgage company when this transfer occurs.  The requirements vary depending on the origin of your loan, terms of your deed of trust and a few other factors.  Lenders will often refer to this transfer as the beginning of the foreclosure or “putting you in foreclosure”.

Once the loan is transferred to the foreclosure department a “trustee” will be assigned to conducted the legally required foreclosure notifications and sale.  This “trustee” is often a law office, however, using an attorney to foreclosure is not required.

A few of the larger foreclosure handling companies in the Hampton Roads, the greater Richmond area, and throughout southeast Virginia include Samuel I. White, P.C., Shapiro, Brown & Alt, LLP (former Shapiro & Burson), Evan & Bryant, PLC, and BWW Law Group, LLC.

We provide more information for our clients going through foreclosure in our “Foreclosure Portal”.



 The Merna Law Group, Attorneys At Law, P.C. …kind and friendly from the start!5 Stars! “Everyone there was kind and friendly from the start and helped us with everything in a timely manner. They were never rude no matter how much we called or asked questions.” Reviewed by B.P. of Virginia Beach on Feb 20 . 
 The Merna Law Group, Attorneys At Law, P.C. …overall experience was outstanding!5 Stars! “My husband and I were very happy with The Merna Law Firm. They are well organized, time manageable, and friendly. I was even able to bring my children with me if I needed to. In court, they stayed right there beside us and answered all questions we had. Our overall experience was outstanding and I am glad we were represented by the Merna Law Group.” Reviewed by A.M. of Suffolk on Mar 5 . 
 The Merna Law Group, Attorneys At Law, P.C. …debt free!5 Stars! “A friendly staff and outstanding attorney who helped me through a difficult time in my life. Thanks to everyone at the Merna Law Group who helped me move on to and new chapter in my life debt free!” Reviewed by M.F. of Norfolk on Mar 8 . 
 The Merna Law Group, Attorneys At Law, P.C. …very helpful and friendly!5 Stars! “Everyone at the office was very helpful and friendly. The attorney answered all of our questions and helped us through the entire process. He was also very helpful answering concerns that we had after the process was completed/over. Highly recommended!” Reviewed by M.E. of Virginia Beach on Mar 11 . 
 The Merna Law Group, Attorneys At Law, P.C. Didn’t have to worry about anything!5 Stars! “Just keep providing the type of service you do. You business values are based off reliability and service. Today’s Law Offices just don’t offer that kind of experience. Didn’t have to worry about anything!!! Just being able to go on with my normal life and know that all my issues are well taken care of is a relief in itself.” Reviewed by A.P. of Virginia Beach on Mar 4 .