Augusta, ME / Foreclosure
Augusta · Kennebec County · Maine
Can I Sell My Augusta House in Foreclosure?
If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends.
Often, yes. Maine mortgage foreclosures go through court. Before judgment, the notice, court papers, and any mediation date shape the timeline. After judgment, a sale needs to close during the redemption period to pay off the mortgage before the lender's public sale. We buy houses as-is in Augusta and Kennebec County, and we can review the payoff, title, and timing with you.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call USA Home Buyers: 888-274-5006We give written cash offers in 24 hours.
We'll give you a written cash offer within 24 hours.
How we help with an Augusta foreclosure sale
Tell us the property address and the date on your latest court or lender notice. We review the house as-is, the mortgage payoff, title, and the time left before redemption ends. You get a written offer and written terms before you commit, and closing is handled through a title company.
When you sell to us, we pay the closing costs, including the real estate transfer tax.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing-cost promise and need their own payoff review. 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.
Maine mortgage foreclosure: which date matters?
The court papers and judgment set the mortgage timeline. The advertised public sale comes later; if you want to sell to pay off the loan, the redemption deadline is the date to focus on.
Before a court case: notice to catch up
For a home loan on the house you live in, the lender must first give written notice and at least 35 days to catch up. See Maine's 35-day notice of right to cure.
After you receive court papers: ask about mediation
If you live in a 1–4 unit home, you can ask for mediation through the court's Foreclosure Diversion Program within 20 days of getting the court papers. If mediation is scheduled, final judgment cannot issue until the mediator's report is done. The mediation law is at 14 M.R.S. §6321-A.
After judgment: the redemption period
If the court rules for the lender, you usually have 90 days from judgment to pay what the court says is owed. A sale that closes in time can pay it. When redemption ends, your right to pay off the loan ends. See 14 M.R.S. §6322.
After redemption: the lender advertises a public sale
The lender then advertises a public sale, held 30 to 45 days after the first advertisement. That later sale date does not extend the earlier redemption period. See 14 M.R.S. §6323.
Is this a mortgage foreclosure or a tax sale?
The dates above are for a mortgage foreclosure case in court. An Augusta property-tax matter follows a separate process, so do not use the mortgage redemption period for a tax-sale notice. For city property-tax questions, contact Augusta Treasury and Tax Collection.
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 the current payoff statement. We can review it with the title work and sale proceeds; any lender decision about reducing a payoff is up to that lender.
What happens next
- Contact us with the address and the court judgment or notice date.
- We review the house and give you a written cash offer and written terms before you decide.
- If you want to proceed, the title company checks the title and requests the mortgage payoff and other closing figures.
- We work toward a closing that fits the title requirements and, after judgment, the redemption deadline.
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.
Local help and official records
- Maine Judicial Branch Foreclosure Diversion Program — information about the court mediation program.
- Kennebec County Registry of Deeds — county property-record and deed context.
- Official Record Search — Quick Search — the county registry's online record-search endpoint.
- City of Augusta Treasury and Tax Collection — for city property-tax matters, separate from a mortgage foreclosure case.
Compare possible sale proceeds
Use the Augusta home-sale net proceeds calculator as a planning estimate alongside the written offer, payoff statement, and title review. It cannot set your foreclosure deadline.
Questions About Foreclosure in Augusta, ME
Can I sell an Augusta house while a mortgage foreclosure is underway?
Often, yes. A sale may pay the mortgage if it closes in time and the payoff and title requirements are met. If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends.
When does the Maine mortgage redemption period end?
It usually runs for 90 days from the foreclosure judgment. The lender advertises a public sale after the redemption period, so the public-sale date is later than the deadline to redeem the mortgage.
Is an Augusta property-tax sale the same as a mortgage foreclosure?
No. The mortgage court deadlines on this page do not set the dates for a city property-tax matter. Contact Augusta Treasury and Tax Collection if your notice concerns unpaid city property taxes.
What if the lender payoff is more than the house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. We will need the current payoff and title details to review what a sale could cover.
Do I have to pay back taxes or liens before selling to you?
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. Your mortgage payoff and current property-tax share are separate items for the title and closing review.
More Augusta seller resources
Ask us to review the property
Call 888-274-5006 or send the Augusta address through the form.
We give written cash offers in 24 hours.
We'll give you a written cash offer within 24 hours.