{"data":{"id":"us-ok/okla.-stat.-tit.-46-46-44","jurisdiction":"us-ok","citation":"Okla. Stat. tit. 46, § 46-44","heading":"Notice of intent to foreclose by power of sale","body":"In case of breach or default as determined by the terms of the\n\nmortgage, before the same may be used as a basis to foreclose the\n\nmortgage by power of sale, the mortgagee must give the mortgagor a\n\nwritten notice of intention to foreclose by power of sale by\n\ncertified mail addressed to the mortgagor at the last-known address\n\nof the mortgagor. The notice shall state the name and address of\n\nthe mortgagee, the nature of the breach(es) or default(s) claimed\n\nwith reasonable specificity, that the mortgagor has a right for\n\nthirty-five (35) days from the date the notice is sent to cure a\n\nbreach or default and thus to that extent reinstate the mortgage,\n\nthe amount of money or action necessary to effect cure, that if the\n\nbreach or default is not cured the mortgagee may accelerate the debt\n\nand give the notice provided for in Section 45 of this title or\n\notherwise foreclose the mortgage, and that the notice contains\n\nimportant information concerning legal rights under the mortgage and\n\nOklahoma law and that if the mortgagor has any questions an attorney\n\nshould be promptly consulted. If a nonhomestead mortgagor is in\n\ndefault more than three (3) times in a twenty-four-month period and\n\nhas been notified as provided for above, no right to an additional\n\nnotice of intent to foreclose will be required prior to acceleration\n\nunder Section 45 of this title. If a homestead mortgagor is in\n\ndefault more than four (4) times in a twenty-four-month period and\n\nhas been notified as provided for above, no right to an additional\n\nnotice of intent to foreclose will be required prior to acceleration\n\nunder Section 45 of this title. If a mortgagee complies with a\n\ncontractual provision for notice before acceleration in a Federal\n\nNational Mortgage Association or Federal Home Loan Mortgage\n\nCorporation uniform instrument taken by the mortgagee which is\n\nsubstantially in compliance with or more stringent than the\n\nprovisions of the notice of intention to foreclose by power of sale,\n\nsuch action by the mortgagee constitutes compliance with this\n\nsection, but in any event, the requirements of this section shall\n\nrun concurrently with any contractual provision for notice before\n\nacceleration in the mortgage. The notice of sale pursuant to\n\nSection 45 of this title may not be given or recorded until the\n\nprovisions of this section are met.","path":["OK Code","Title 46"],"source_url":"https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os46.pdf","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:36Z","sha256":"6f152e3cdc3674d07d7218278e065187af77b48f6aaf1d08813ee6472efaa5cb","source_id":"us-ok","stale":false,"prev":"us-ok/okla.-stat.-tit.-46-46-43","next":"us-ok/okla.-stat.-tit.-46-46-45"},"notice":"GroundRules: Original legal text. Not legal advice."}