Iowa Code » Chapter 654 — FORECLOSURE OF REAL ESTATE MORTGAGES
Iowa Code

Iowa Code § 654.6 (2026)

Deficiency — general execution

✓ current as of July 2026
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If the mortgaged property does not sell for an amount which is sufficient to satisfy the execution, a general execution may be issued against the mortgagor, unless the parties have stipulated otherwise. [C51, §2085; R60, §3662; C73, §3322; C97, §4290; C24, 27, 31, 35, 39, §12377; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §654.6] 86 Acts, ch 1216, §3, 14; 2011 Acts, ch 34, §143 Referred to in §627.6, 654.25, 654.26 Execution on certain judgments prohibited, see §615.1

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Notes of Decisions
Cited in 10 cases, 1987–2004 · leading case: Fed. Land Bank of Omaha v. Recker, 460 N.W.2d 480 (Iowa Ct. App. 1990).
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Fed. Land Bank of Omaha v. Recker, 460 N.W.2d 480 (Iowa Ct. App. 1990). · cites it 36× “The Reckers argue that Iowa Code section 654.6 was inapplicable to the present case because the two-year limitation period of Iowa Code section 615.”
Fed. Land Bank of Omaha v. Lockard, 446 N.W.2d 808 (Iowa 1989). · cites it 24× “” Iowa Code § 654.6 (4). This raises the first issue, whether the present action was “pending” on June 1, 1986.”
Morris Plan Co. of Iowa v. Bruner, 458 N.W.2d 853 (Iowa Ct. App. 1990). · cites it 4× “21, then the plaintiff shall not be entitled to the entry of a deficiency judgment under section 654.6. (Emphasis added.) Here, plaintiff did not include a waiver of deficiency judgment.”
In Re Punke, 68 B.R. 936 (Bankr. D. Iowa 1987). · cites it 2× “If the debtor is engaged in farming and does not exercise the delay of the enforceability of a deficiency judgment or general execution under section 654.6 in relation to the execution under which the exemption is claimed, any combination of the following, not to exceed a value…”
Matter of Towns, 74 B.R. 563 (Bankr. S.D. Iowa 1987). · cites it 2× “Section 3 of Senate File 2270 (to be codified at Iowa Code section 654.6). c) Restrictions on garnishing a farmer’s earnings.”
In Re Bailey, 326 B.R. 750 (Bankr. S.D. Iowa 2004). · cites it 2× “6(11) provides the following exemption: If the debtor is engaged in farming and does not exercise the delay of the enforceability of a deficiency judgment or general execution under section 654.6 in relation to the execution under which the exemption is claimed, any combination…”
Fed. Land Bank of Omaha v. Faught Bros., Inc., 468 N.W.2d 793 (Iowa 1991). · cites it 2× “Section 654.6 provides: If the mortgaged property does not sell for sufficient to satisfy the execution, a general execution may be issued against the mortgagor, unless the parties have stipulated otherwise.”
Prod. Credit Ass'n of the Midlands v. Ryan, 441 N.W.2d 379 (Iowa Ct. App. 1989). · cites it 4× “Under Iowa Code section 654.6, if the real estate sells for less than the amount of PCA's judgment, PCA will have a deficiency judgment for the balance remaining.”
Citizens First Nat'l Bank of Storm Lake v. Turin, 431 N.W.2d 185 (Iowa Ct. App. 1988). · cites it 2× “Thus the mortgagor was not actively engaged in farming the agricultural land upon the commencement of the action as required by Iowa Code section 654.6(2). *188 On January 6, 1977, summary judgment in rem was granted in the amount of $146,-888.”
Nash Finch Co. v. Corey Dev., Ltd., 231 F. Supp. 2d 882 (N.D. Iowa 2002). “iowa Code § 654.6. Again, none of these statutory provisions answers the questions posed in the present case.”
— Iowa Code § 654.6(2) — 1 case
Citizens First Nat'l Bank of Storm Lake v. Turin, 431 N.W.2d 185 (Iowa Ct. App. 1988). “Thus the mortgagor was not actively engaged in farming the agricultural land upon the commencement of the action as required by Iowa Code section 654.6(2). *188 On January 6, 1977, summary judgment in rem was granted in the amount of $146,-888.”
— Iowa Code § 654.6(5) — 1 case
Fed. Land Bank of Omaha v. Recker, 460 N.W.2d 480 (Iowa Ct. App. 1990). “The Reckers argue that Iowa Code section 654.6 was inapplicable to the present case because the two-year limitation period of Iowa Code section 615.”
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