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Foreclosure sale date set in Minnesota: what you can still do

If your Minnesota sheriff's sale is scheduled, you still have options until the sale itself. You can reinstate, get a complete loss mitigation application in before the 7th business day cutoff, or, if you act at least 15 days ahead, record a postponement affidavit. Start by confirming the date with the county sheriff's office.

Free HUD counselor: (800) 569-4287

Reviewed against Minnesota law and official sources on October 12, 2026. General information, not legal advice.

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Options still open before a sale in Minnesota

  • Confirm the sale is still on

    Today, and again the day before the sale

    The date, time and place are in your foreclosure advice notice. If the lender postpones, it must publish the new date once in the same newspaper and mail you notice within three business days. Call the sheriff's office in the county where the home is.

    Minn. Stat. §§ 580.041, 580.07, subd. 1

  • Send a complete loss mitigation application

    Before midnight of the 7th business day before the sale

    If the servicer receives it in time, it must halt the sale and review it, and after any denial it must wait 60 days before selling. Send it in a way you can prove, and keep copies.

    Minn. Stat. § 582.043, subd. 6(c)

  • Reinstate the loan

    Before the sale; ask for the figure at least 3 days ahead

    Pay the amount in default plus allowed costs to the lender, its attorney or the sheriff. The lender does not have to postpone for a request made less than three days before the sale, and each quote is good for seven days.

    Minn. Stat. § 580.30

  • Record a postponement affidavit

    At least 15 days before the sale date

    If the home is your homestead with one to four units, record the affidavit and deliver copies to the sheriff and the foreclosing attorney. This moves the sale 5 months later but cuts your redemption period to five weeks.

    Minn. Stat. § 580.07, subd. 2

  • Talk to a bankruptcy attorney

    Before the sale, not at the last minute

    Filing pauses the sale through the automatic stay. Get advice from a licensed bankruptcy attorney or legal aid first.

    11 U.S.C. § 362(a)

  • Plan to redeem

    Within the redemption period after the sale

    If the sale happens, you can still buy the home back, usually within six months. If there is a surplus, you can ask the sheriff in writing to apply it to the redemption amount.

    Minn. Stat. §§ 580.23, 580.10, subd. 3

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 Minnesota.

Common questions in Minnesota

What is the last day to file Minnesota's sale postponement affidavit?

At least 15 days before the sale date in the published notice, under Minn. Stat. § 580.07, subd. 2. You must sign it under oath, record it in each county office where the mortgage was recorded, and file a copy with the sheriff and give one to the foreclosing attorney. The Minnesota courts' foreclosure page links to the form.

Can I still apply for a modification if my Minnesota sale is next week?

If the servicer receives your application before midnight of the seventh business day before the sale, Minn. Stat. § 582.043 requires it to halt the sale and review it. After that cutoff the state law does not require a halt, but you can still ask the servicer and its attorney in writing to postpone.

Can the Minnesota sheriff postpone my sale?

In one situation. Under Minn. Stat. § 580.30, subd. 2, if the sheriff asks the lender in writing for payoff and reinstatement figures and the lender does not answer within seven days, the sheriff must postpone the sale and announce it at the sale. Otherwise postponements come from the lender or your affidavit.

Step by step

More on foreclosure in Minnesota

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.

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Sources for this page

  1. Minn. Stat. § 580.022, Forms (Preforeclosure Notice)
  2. Minn. Stat. § 580.032, Request for notice; notice of pendency
  3. Minn. Stat. § 580.04, Requisites of notice
  4. Minn. Stat. § 580.12, Certificate of sale
  5. Minn. Stat. § 580.225, Satisfaction of mortgage
  6. Minn. Stat. § 580.24, Redemption by creditor
  7. Minn. Stat. § 504B.285, Eviction actions; grounds
  8. Minn. Stat. § 504B.321, Complaint and summons
  9. Minn. Stat. § 504B.345, Judgment; execution
  10. Minn. Stat. § 504B.365, Execution of the writ of recovery
  11. Laws of Minnesota 2025, chapter 35, article 10 (Mortgage Foreclosure)
  12. Minnesota Homeownership Center
  13. Minn. Stat. § 580.021, Foreclosure prevention counseling
  14. Minn. Stat. § 580.03, Notice of sale; service on occupant
  15. Minn. Stat. § 580.041, Foreclosure advice notice to owner
  16. Minn. Stat. § 580.07, Postponement
  17. Minn. Stat. § 580.10, Surplus
  18. Minn. Stat. § 580.23, Redemption by mortgagor
  19. Minn. Stat. § 580.30, Mortgages, when reinstated
  20. Minn. Stat. § 582.032, Five-week redemption period for abandoned property
  21. Minn. Stat. § 582.043, Loss mitigation; mortgage foreclosure dual tracking
  22. Minn. Stat. § 582.30, Deficiency judgments
  23. Minn. Stat. § 325N.03, Contract
  24. Minn. Stat. § 325N.04, Violations
  25. Minnesota Attorney General, Facing Mortgage Foreclosure
  26. Minnesota Judicial Branch, Foreclosures
  27. Minnesota Housing, Deadline to apply for HomeHelpMN is July 7