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In Hawaii, the primary method ofdeed of trustforeclosure isnon-judicial. However, if adeed of trust does not contain thepower of sale language or a standard mortgage is used, the lender may seekjudicial foreclosure. As few as 60 days may pass from the time a property owner receives anotice of default until the property is sold at apublic foreclosure auction sale. Accordingly, don't wait until the property becomesReal Estate Owned (REO) after the auction because the property will cost more than it would inpreforeclosure.