Arkansas City, KS / Foreclosure
Can I Sell My Arkansas City House in Foreclosure?
Before the sheriff’s sale, selling may still be possible if the mortgage payoff and closing can be handled in time. After the sale, Kansas generally allows 12 months to redeem the home, but some cases allow three months.
USA Home Buyers buys houses in Arkansas City and Cowley County, Kansas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 — We answer 24/7How we help with a foreclosure sale
We review the house as-is. You get a written offer and written terms before you commit, and we close through a title company. If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it.
The title company works through ownership, payoff figures, liens, and the requirements for closing. We work with you and the title company toward a closing date that fits the court deadline.
A mortgage foreclosure and a tax sale have different deadlines
A Kansas mortgage foreclosure is a district-court case about mortgage debt. After the lender gets a judgment, the property may be sold at a sheriff’s sale after notice is published once a week for three weeks. The court then confirms the sale. A Cowley County tax foreclosure concerns unpaid property taxes and follows its own notices and deadlines; postponing a mortgage sheriff’s sale does not change a tax-sale date.
After a mortgage sheriff’s sale, Kansas generally allows 12 months to redeem. The period can be three months if default happened before one-third of the original senior debt was paid. A statutory exception can provide 12 months when outstanding mortgages and liens total less than one-third of the property’s market value. The court may add three months if you involuntarily lose your main income after the sale and before the three-month period ends. Abandonment can shorten or end redemption, and you can generally stay in the home while redemption is available.
Read the Kansas statutes on mortgage foreclosure and sheriff’s sales (K.S.A. 60-2410), redemption (K.S.A. 60-2414), and redemption periods and related rules (K.S.A. 60-2415).
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
The title company reviews the current mortgage payoff and any liens as part of the closing work.
What happens next
- Contact us. Call or send us the Arkansas City property address. We’ll talk through the stage you’re facing.
- Review written terms. We look at the house and the situation, then give you a written offer and terms before you decide.
- Work through title and payoff. If you want to proceed, the title company reviews ownership, payoff figures, liens, and the closing requirements.
- Work toward closing. When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees. Close as fast as 7 days when title and closing details allow. Mortgage payoff, liens, back taxes, and your share of current property taxes are separate settlement items.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Cowley County foreclosure help
For a Cowley County mortgage-foreclosure case, the 19th Judicial District Court’s Cowley County page lists an Arkansas City location on the second floor of the City municipal building at 1st and Central, with a clerk line at 620-441-4520. It also lists the Winfield courthouse at 311 E. 9th Ave.
For property-tax payment questions, the Cowley County Treasurer’s online payments page links to property-tax payments. Kansas Legal Services also has a foreclosure overview: Kansas Legal Services’ foreclosure overview.
Compare possible sale proceeds
Use your own estimates to compare possible proceeds. The calculator is a planning estimate, not a property-specific offer or payoff statement.
Estimate possible sale proceeds with the Arkansas City calculator →Arkansas City KS foreclosure questions
Can I sell my Arkansas City house before a sheriff’s sale?
Yes. Before the sheriff's sale, selling may still be possible if the mortgage payoff and closing can be handled in time.
What happens after a Kansas mortgage foreclosure sheriff’s sale?
Kansas generally allows 12 months to redeem after a sheriff’s sale, but some cases allow three months. If outstanding mortgages and liens total less than one-third of the property’s market value, the redemption period is 12 months. The court may add three months if you involuntarily lose your main income after the sale and before the three-month period ends. Abandonment can shorten or end the redemption period. You can generally stay in the home while redemption is available.
Is a Cowley County tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is about mortgage debt; a tax foreclosure is about unpaid property taxes. Each has its own notices and deadlines, and a postponement in a mortgage case does not change a tax-sale date. Not sure which kind of sale you're facing? Call us — we'll sort it out with you.
What if my mortgage payoff is more than my Arkansas City house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A title company reviews the current payoff and any liens as part of the closing work.
Talk through the foreclosure deadline
Call 888-274-5006 or send the Arkansas City property address to ask about a cash offer.
Request a cash offer →