Iowa Foreclosure Laws and Statutes | IA

Iowa Foreclosure is Judicial.

Iowa foreclosure begins when a petition is filed as well as an application for a receiver. The delinquent homeowner has 21 days to file an answer. There is a hearing on the motion of judgment, the ruling on the motion, and finally the execution.

Notice of Foreclosure Sale

Iowa foreclosure law states that the notice of the sale must be posted in at least three public places of the county, one of which shall be at the county courthouse. In addition, there shall be two weekly publications of such notice in a local newspaper printed in the county, with the first publication being at least four weeks before the date of sale, and the second publication a least one week before the date of sale. If the borrower occupies the property, the notice must be served to them at least twenty days prior to the date of the sale. Notice of sale shall include time, date and place of sale.

The sale must occur at public auction, between 9:00 am and 4:00 pm and the time must be stated clearly in the notice of sale. The sheriff shall receive and give a receipt for a sealed written bid submitted prior to the public auction. The sheriff may require all sealed written bids to be accompanied by payment. The sheriff must keep all written bids sealed until the commencement of the public auction, at which time the sheriff will open and announce the written bids.

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