Under Illinois's judicial foreclosure process, approximately how long can the entire foreclosure process take from default to completion?

Explanation

Illinois has a judicial foreclosure process, which requires court proceedings and typically takes significantly longer than non-judicial (power of sale) states. An uncontested foreclosure may take 12-18 months; contested foreclosures can take 3+ years. The process includes filing suit, serving the homeowner, waiting periods, mediation opportunities, redemption period (up to 7 months), and sheriff's sale. This extended timeline has historically contributed to Chicago having one of the highest foreclosure inventory levels in the nation.