Which type of foreclosure process typically takes longer due to court involvement?

The type of foreclosure process that typically takes longer due to court involvement is judicial foreclosure. This process requires the lender to file a lawsuit in court to obtain a judgment against the borrower. The necessity of a court proceeding means that the process can involve various legal steps, including potential delays for hearings, responses from the borrower, and the possibility of appeals.

In contrast, non-judicial foreclosure is generally faster as it does not require court involvement; instead, it follows a process established by state law that allows lenders to move forward without a lawsuit. Similarly, the power of sale and deed in lieu of foreclosure are also quicker alternatives since they involve either the lender conducting the sale without court interference or directly transferring ownership to the lender, respectively. Thus, the judicial foreclosure process, laden with legal formalities and court schedules, tends to be the lengthiest among the options provided.