Key Dates in the Illinois Foreclosure Process and Timeline.

30-60 days late: missed payments prompt contact from the lender.
60-120 days late: automatic mortgage loan default.
90 -120 days late: lender provides a breach letter.
120-175 days late: homeowner receives service of a mortgage foreclosure summons.
230 days late: without a response, the court enters default judgment.
260 days late: right to reinstate the loan expires.

7 months after being served or 3 months after judgment (whichever is later): right to redemption expires.
21 days before sale: 3 public notices will advertise the auction date
Auction Date. Sold to 3rd Party Bidder or Bank takes home as an REO.
Judge Approves the Sale
Once Approved; the Deed is issued New Owner can file for Eviction.