--- kind: "section" citation: "42 U.S.C. § 1452c" title: "42" title_heading: "The Public Health and Welfare" number: "1452c" heading: "Nullification of right of redemption of single family mortgagors under rehabilitation loan program" release: "119-102" date: "2026-07-12" url: "https://uscodex.org/usc/42/1452c" units: - "Chapter 8A — Slum Clearance, Urban Renewal, and Farm Housing" - "Subchapter II — Slum Clearance and Urban Renewal" - "Part A — Urban Renewal Projects, Demolition Programs, and Code Enforcement Programs" --- # §1452c. Nullification of right of redemption of single family mortgagors under rehabilitation loan program - (a) **In general—** Whenever with respect to a single family mortgage securing a loan under [section 1452b](/usc/42/1452b.md)[^1] of this title, the [Secretary](/usc/42/242q–4.md?p=2) of Housing and Urban Development or its foreclosure agent forecloses in any Federal or [State](/usc/42/2021b.md?p=14) court or pursuant to a power of sale in a mortgage, the purchaser at the foreclosure sale shall be entitled to receive a conveyance of title to, and possession of, the property, subject to any interests senior to the interests of the [Secretary](/usc/42/242q–4.md?p=2). With respect to properties that are vacant and abandoned, notwithstanding any [State](/usc/42/2021b.md?p=14) law to the contrary, there shall be no right of redemption (including all instances any right to possession based upon any right of redemption) in the mortgagor or any other person subsequent to the foreclosure sale in connection with such single family mortgage. The appropriate [State](/usc/42/2021b.md?p=14) official or the trustee, as the case may be, shall execute and deliver a deed or other appropriate instrument conveying title to the purchaser at the foreclosure sale, consistent with applicable procedures in the jurisdiction and without regard to any such right of redemption. - (b) **Foreclosure by others—** Whenever with respect to a single family mortgage on a property that also has a single family mortgage securing a loan under [section 1452b](/usc/42/1452b.md)[^1] of this title, a mortgagee forecloses in any Federal or [State](/usc/42/2021b.md?p=14) court or pursuant to a power of sale in a mortgage, the [Secretary](/usc/42/242q–4.md?p=2) of Housing and Urban Development, if the [Secretary](/usc/42/242q–4.md?p=2) is purchaser at the foreclosure sale, shall be entitled to receive a conveyance of title to, and possession of, the property, subject to the interests senior to the interests of the mortgagee. Notwithstanding any [State](/usc/42/2021b.md?p=14) law to the contrary, there shall be no right of redemption (including in all instances any right to possession based upon any right of redemption) if the mortgagor or any other person subsequent to the foreclosure sale to the [Secretary](/usc/42/242q–4.md?p=2) in connection with a property that secured a single family mortgage for a loan under [section 1452b](/usc/42/1452b.md)[^1] of this title. The appropriate [State](/usc/42/2021b.md?p=14) official or the trustee, as the case may be, shall execute and deliver a deed or other appropriate instrument conveying title to the [Secretary](/usc/42/242q–4.md?p=2), who is the purchaser at the foreclosure sale, consistent with applicable procedures in the jurisdiction and without regard to any such right of redemption. - (c) **Verification of title—** The following actions shall be taken in order to verify title in the purchaser at the foreclosure sale: - (1) In the case of a judicial foreclosure in any Federal or [State](/usc/42/2021b.md?p=14) court, there shall be included in the petition and in the judgment of foreclosure a statement that the foreclosure is in accordance with this subsection and that there is no right of redemption in the mortgagor or any other person. - (2) In the case of a foreclosure pursuant to a power of sale provision in the mortgage, the statement required in [paragraph (1)](#c-1) shall be included in the advertisement of the sale and either in the recitals of the deed or other appropriate instrument conveying title to the purchaser at the foreclosure sale or in an affidavit or addendum to the deed. - (d) **Definitions—** For purposes of this section: - (1) The term “mortgage” means a deed of trust, mortgage, deed to secure debt, security agreement, or any other form of instrument under which any interest in property, real, personal, or mixed, or any interest in property, including leaseholds, life estates, reversionary interests, and any other estates under applicable [State](/usc/42/2021b.md?p=14) law, is conveyed in trust, mortgaged, encumbered, pledged, or otherwise rendered subject to a lien, for the purpose of securing the payment of money or the performance of an obligation. - (2) The term “single family mortgage” means a mortgage that covers property that includes a 1- to 4-family residence. ## Footnotes [^1]: See References in Text note below. ## Source credit (Pub. L. 101–235, title VII, § 701, Dec. 15, 1989, 103 Stat. 2055.) ## Notes ### Editorial Notes ### References in Text Section 1452b of this title, referred to in subsecs. (a) and (b), was repealed by Pub. L. 101–625, title II, § 289(b)(1), Nov. 28, 1990, 104 Stat. 4128. ### Codification Section was enacted as part of the Department of Housing and Urban Development Reform Act of 1989, and not as part of the Housing Act of 1949 which comprises this chapter.