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Auburn, Alabama › Foreclosure

Can I sell my Auburn house before foreclosure?

Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.

Yes. You may still be able to sell before a mortgage foreclosure sale if the payoff, title work, and closing can be completed in time. We buy houses for cash in Auburn and Lee County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call USA Home Buyers at 888-274-5006

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the property address and any foreclosure notice or scheduled sale date you have.

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How we help you work toward closing

Contact us with the Auburn property address and the notice or sale date you have. We review the house as-is and give you a written offer and written terms before you commit; closing is through a title company. If a mortgage foreclosure sale is scheduled, Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.

Keep checking the date on your notice with your mortgage servicer and qualified legal counsel. The agreement is how we ask for a postponement; do not treat signing it as confirmation that the sale date changed.

Which sale is named in your notice?

Mortgage foreclosure

Alabama allows a lender to foreclose without a court case when the mortgage gives it a power of sale. The sale notice generally must be published once a week for three successive weeks in a newspaper in the county, or in an adjoining county if none is published there. Your mortgage and the actual notice control what applies to your property.

After a mortgage foreclosure sale, certain people may have a limited right to buy the property back, called redemption. For residential property with a homestead exemption claimed in the year of sale, the usual period is 180 days if the mortgage was signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. For qualifying homestead property, missing required notice can change when the redemption period starts, but it cannot extend beyond one year after foreclosure.

Redemption means paying the sale price, interest, and lawful charges; if the purchaser also owns the mortgage debt, the remaining debt and interest may also be due. Redemption is not extra time to stay in the house. A debtor or mortgagor still in possession must leave within 10 days after the purchaser’s written demand or risk losing redemption rights.

Alabama’s rules are in Ala. Code §35-10-12, power-of-sale foreclosure, §35-10-13, sale notice, §6-5-248, redemption periods and notice, §6-5-248.1, older mortgages, §6-5-251, possession after written demand, and §6-5-253, redemption amount. Check your own notice and records for the property-specific date and status.

Property-tax sale

A notice about delinquent property taxes or a tax sale is separate from a mortgage foreclosure. Its deadlines are not the mortgage publication or redemption periods above, and the mortgage-sale postponement statement does not apply to a tax-sale date. Follow the date and instructions on the tax notice. The Lee County Revenue Commissioner is the county route for property-tax information and collections; its records do not by themselves confirm a particular parcel’s balance or sale status.

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.

Ask your lender for a current payoff statement. If you decide to move ahead, the title company can review the payoff, liens, and other closing figures against the written terms. You can also use the Auburn home-sale net proceeds calculator as a planning estimate, not a property-specific offer or payoff quote.

What happens next

  1. 1. Contact us about the house and notice

    Call or send the property address and any notice or sale date you have. You can contact us while you gather the rest of the paperwork.

  2. 2. Review the written offer and terms

    We review the house as-is and give you a written offer and written terms before you commit.

  3. 3. Work through title and payoff details

    If you choose to move ahead, the title company checks ownership and title, obtains payoff information, and reviews liens and amounts due at closing.

    You don’t need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.

  4. 4. Close through a title company

    When you sell to us, we pay the closing costs, including Alabama’s deed tax. That closing-cost promise does not pay your mortgage, liens, back taxes, or your share of current property taxes; the title company reviews those amounts separately.

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.

Lee County offices and property records

If the notice concerns property taxes, contact the Lee County Revenue Commissioner’s collections office for county property-tax and collection information. Its online maps can help locate county parcel records; the map does not establish a parcel balance or sale status. For Auburn city limits, use the City of Auburn’s COA Map and address search. A mailing city name or ZIP code alone does not establish the property’s jurisdiction.

The Lee County Probate Judge’s recording office provides county routing for recording and public records, primarily real-estate records. The County lists its courthouse office at 215 South 9th Street in Opelika and an Auburn Satellite Office at 1266 Mall Parkway; confirm which location handles your question or filing, since not every service is necessarily available at the satellite office.

Questions and contact

We buy houses as-is for cash in Auburn and Lee County, Alabama. Call 888-274-5006 or use the form. You can also read our seller reviews, visit the Auburn seller resources, or return to the Auburn market page.

Foreclosure questions in Auburn, Alabama

Can I sell my Auburn house before a mortgage foreclosure sale?

Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. A sale may be possible if the mortgage payoff, title work, and closing can be completed before the current sale date.

Does signing an agreement of sale automatically postpone an Alabama foreclosure sale?

Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Keep checking the current date with your mortgage servicer and qualified legal counsel.

Is a Lee County property-tax sale the same as a mortgage foreclosure?

No. A mortgage foreclosure concerns mortgage debt; a property-tax sale is a separate tax matter with separate notices and deadlines. Do not use the mortgage notice or redemption periods to calculate a tax-sale date. Follow the tax notice and contact the Lee County Revenue Commissioner about current property-tax and collection records.

How long is Alabama’s mortgage redemption period after foreclosure?

Certain people may have a limited right to buy a foreclosed property back, called redemption. For residential property with a homestead exemption claimed in the year of sale, the usual period is 180 days when the mortgage was signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. The notice and property facts matter; redemption is not extra time to stay in the house.

What if my mortgage payoff is more than my Auburn house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask your lender for a current payoff so it can be reviewed with the title and closing figures.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us about the house and the foreclosure notice or sale date you are facing.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

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