How long does the bank have to post my payment to my account before they foreclose on my house,if they got a certified check?

A cashier check 1 hr before auction should be good enough.Jenni

Each state has specific rules regarding the time a payment must be made to avoid foreclosure. For most states, you have up till the slam of the hammer to bring your loan current. It has to be certified funds, so a cashiers check, cash or a wire transfer would be acceptable.. but do yourself a favor.. don't wait till the last minute.. try to make the arrangements to pay before the day of the sale.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

I would of recommended a wire, if that was possible. Cashier's checks aren't accepted as easily as they used to be as most title companies used to take them now they all want wires, as some have been burnt by cashier's checks, not sure on your situation.

My experience up to recently on many, many loans is a certified check is acceptable and ought to be posted ver shortly the same day upon receiving it. Having said this, you definitely want to make sure to get it prior to auction of the home. Not sure what stage of foreclosure you are currently dealing with but the sooner the better you make your payment. I am currently overseeing a purchase loan by the renters of the home wherein a date was set for auction due to foreclosure. The renters received a payoff to cover all that is owed in payments as well as in the loan to fund the loan prior to auction. With strong negotiation with the bank that owns the home an extension was allowed to complete the purchase transaction. It is smart to communicate with the bank as much as possible and write or record everything said!