Maine · Get help now
Foreclosure sale date set in Maine: what you can still do
In Maine, a sale date means the court has already entered judgment and your 90-day redemption period has ended. Your options are narrower now, but the lender can still postpone the sale or let you redeem or reinstate before bids are taken. Call free legal help today and get any agreement in writing.
Reviewed against Maine law and official sources on October 12, 2026. General information, not legal advice.
Tell us your sale date
Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.
Options still open before a sale in Maine
Confirm the sale is still scheduled
Today, and again the day before the sale
The lender must advertise the time, place and terms once a week for 3 weeks in a newspaper in your county, and mail notice at least 30 days before the sale to anyone who appeared in the case. Call the lender's attorney named in the notice to confirm the date, and ask the court clerk to check the case file.
14 M.R.S. § 6323
Ask the lender to postpone the sale
As early as possible, before the sale starts
The lender can adjourn the sale for up to 60 days by announcement at the sale. If you have a refinance, a buyer or a new application, send it to the servicer and the lender's attorney in writing and ask for a postponement.
14 M.R.S. § 6323(1)
Ask to redeem or reinstate before the sale
Before the public sale
Even after the 90 days, the lender may choose to let you pay off the debt or catch up and reinstate. Maine law requires your written consent and a stipulation of dismissal filed with the court for a reinstatement, so get the terms in writing.
14 M.R.S. § 6323(1)
Send a complete loss mitigation application
More than 37 days before the sale
If you have not already been reviewed, a complete application received more than 37 days before the sale generally stops the servicer from holding the sale until it decides. Maine's sale statute expressly allows the sale timing to follow this federal rule.
12 C.F.R. § 1024.41(g); 14 M.R.S. § 6323
Have a lawyer check the sale deadlines
Before the sale
The first ad must run within 90 days after redemption ends, and the sale must be 30 to 45 days after the first ad, unless the court extended the time for good cause. Pine Tree Legal Assistance or a private lawyer can check the dates in your case.
14 M.R.S. § 6323
Bankruptcy as a last resort
Before the bids are received
A bankruptcy filing pauses the sale through the automatic stay. It has costs and risks, so speak with a bankruptcy lawyer first.
11 U.S.C. § 362(a)
Call today, not tomorrow
With a sale on the calendar, every option above has a cutoff. A free HUD-approved housing counselor can call your servicer with you today: (800) 569-4287. For legal aid and court help, see free foreclosure help in Maine.
Common questions in Maine
Is there still a redemption period after the Maine sale date is set?
No. In Maine the lender can only advertise a sale after the 90-day redemption period has ended. After that, paying off or catching up before the sale is up to the lender, not a right.
How long can a Maine foreclosure sale be postponed?
The lender can adjourn the sale for up to 60 days by announcing it to the people at the sale. The court can also extend the deadlines for good cause if the lender asks before they pass. For a home the court found abandoned, the limits are shorter.
Where is a Maine foreclosure sale advertised?
In a newspaper of general circulation in the county where the home is, once a week for 3 weeks in a row. The ad must give the time, place and terms of the sale. If you appeared in the court case, the lender must also mail you notice at least 30 days before the sale.
Step by step
More on foreclosure in Maine
Understand the process
What is happening and how much time there is.
Weigh your options
What can stop it, and what happens if it goes ahead.
Get help now
Who to call, and what to do when a sale is scheduled.
- Free foreclosure help
- A sale date is set (this page)
Free, official, nationwide
Free help anywhere in the country
HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.
Sources for this page
- 14 M.R.S. § 6111, Notice of mortgagor's right to cure
- 14 M.R.S. § 6321, Commencement of foreclosure by civil action
- 14 M.R.S. § 6321-A, Foreclosure mediation program
- 14 M.R.S. § 6322, Hearing and judgment (redemption period)
- 14 M.R.S. § 6323, Sale following expiration of period of redemption
- 14 M.R.S. § 6324, Proceeds of sale
- 32 M.R.S. ch. 80-B, Foreclosure Purchasers
- 32 M.R.S. § 6195, Cancellation
- 32 M.R.S. § 6198, Prohibited practices
- Maine Judicial Branch, Foreclosure Diversion Program
- Maine Judicial Branch, Foreclosure help
- Maine Bureau of Consumer Credit Protection, Foreclosure Resources
- MaineHousing, After Helping Thousands, Maine HAF Program Draws To A Close