Serving homeowners across Ogden, Roy, South Ogden, and Riverdale. Utah primarily uses a non-judicial deed-of-trust foreclosure process in which a trustee may exercise the power of sale without an ordinary foreclosure lawsuit.
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Utah foreclosures are primarily non-judicial. That means most begin under a deed of trust and move toward a trustee sale without an ordinary foreclosure lawsuit. Acting during the early notice window gives you the most room to explore your options.
Utah uses trust deeds for most home loans. The trustee named in the deed of trust holds the power of sale and may conduct the foreclosure sale without a court summons.
The trustee records a Notice of Default, which begins a 90-day waiting and cure period under Utah's trust-deed framework. This is the window when reinstatement, loss mitigation, and other options are most meaningful. Dream Legal's current Utah sources use a 90-day waiting and cure period after the Notice of Default is recorded.
If the default is not resolved, the trustee later schedules and advertises a separate Notice of Trustee Sale — published once a week for three consecutive weeks, with the last publication and property posting at least 20 days before the sale. The 90-day marker applies to the Notice-of-Default cure period; the sale-notice timing is a separate 20-day frame.
Because ordinary Utah foreclosure is non-judicial, a homeowner seeking to challenge a pending trustee sale may bring a separate civil action in Utah District Court and request TRO or injunctive relief where appropriate.
Timing note: Dream Legal's primary Utah state and local sources use the 90-day marker for the Notice-of-Default cure period and a separate 20-day sale-notice publication/posting marker. These are two distinct steps, not one interchangeable deadline.
Utah is primarily a non-judicial, deed-of-trust foreclosure state. Most residential foreclosures proceed through a trustee exercising the power of sale, without an ordinary foreclosure lawsuit.
The process typically begins with a default under the terms of the promissory note secured by the Utah deed of trust.
The trustee records a Notice of Default under the applicable Utah trust-deed statute.
A 90-day waiting and cure period runs after the Notice of Default is recorded before the trustee may proceed toward the trustee sale.
If the default is not cured, the trustee schedules a separate Notice of Trustee Sale in a newspaper of general circulation in the county.
The Notice of Trustee Sale is published once a week for three consecutive weeks.
The last publication must occur at least 20 days before the scheduled trustee sale, and the notice is also posted on the property at least 20 days before the sale.
If no resolution is reached, the property is sold at a public auction conducted by the trustee named in the deed of trust, using saved-source courthouse-steps wording.
Separate civil-action option: Because ordinary Utah foreclosure is non-judicial, a homeowner may bring a separate civil lawsuit in Utah District Court and request a TRO or preliminary injunction to challenge a pending trustee sale where appropriate. This is a separate option — not a required step in the ordinary trustee-sale process.
Dream Legal Solutions prepares pro se foreclosure documents for homeowners across Weber County, including Ogden, Roy, South Ogden, and Riverdale.
We focus on homeowners across Weber County, including Ogden, Roy, South Ogden, and Riverdale.
Notice of Default review, 90-day cure-window review, deed-of-trust and trustee-authority review, Notice of Trustee Sale review, posting and publication-compliance review, and standing / assignment review.
Reinstatement review, loss mitigation, loan modification, repayment or workout, forbearance, District Court civil-action preparation, TRO / injunction review, and deficiency / fair-market-value exposure review.
Because ordinary Utah foreclosure is non-judicial, the District Court is relevant to a separate civil action a homeowner may bring to challenge a pending trustee sale. It is not part of the ordinary non-judicial trustee-sale path.
Weber County District Court
2525 Grant Ave, Ogden, UT 84401
(801) 395-1100
Mon–Fri, 8:00 AM–5:00 PM
Non-Judicial · 90-Day Notice
Dream Legal Solutions is not affiliated with the court. We prepare documents you can file yourself.
Outcomes depend on the specific facts of each case. We do not guarantee a particular result.
Organizing your loan and foreclosure paperwork helps us review your situation accurately. Gather as many of the documents below as you can.
Answers to common questions about Utah's non-judicial foreclosure process and how it applies to Weber County homeowners.
Explore helpful guidance for homeowners navigating foreclosure in Utah.
Statewide overview of Utah's non-judicial process, the 90-day cure window, and how to respond.
How a separate District Court civil action can be used to challenge a pending trustee sale.
Defenses and steps for filing a civil complaint in Utah District Court where appropriate.
Utah's 90-day Notice-of-Default window can be the best time to explore reinstatement, loss mitigation, and a separate court challenge where appropriate. Get a free review before the sale is scheduled.
Notice-of-Default cure period
Trustee-sale notice publication
Sale-notice publication/posting lead
Dream Legal Solutions is a document-preparation service, not a law firm. We prepare pro se foreclosure documents for homeowners to file on their own behalf and do not provide legal advice, representation, or guaranteed outcomes. The information on this page is based on current Dream Legal Utah sources regarding Utah's primarily non-judicial foreclosure process. Specific outcomes depend on the facts of each case, and you should consult a qualified attorney for legal advice.