Bakersfield, CA / Foreclosure
Can I Sell My Bakersfield House in Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes. You may still be able to sell a California home before a nonjudicial mortgage foreclosure sale if the payoff, title work, and closing can be completed in time. The trustee named in the deed of trust handles this process, and an offer alone does not change the sale date.
USA Home Buyers buys houses as-is in Bakersfield and Kern County, California. Call 888-274-5006 or send the property address through the form.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and any trustee-sale notice or date you have.
How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in Bakersfield and Kern County. You receive a written offer and written terms before you commit, and a title company handles the closing.
When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate amounts that the title company confirms for the property.
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. The title company reviews the recorded claims and available sale proceeds for the specific property.
Which sale is involved?
Mortgage foreclosure: a trustee's sale
California home loans commonly use a deed of trust, so most mortgage foreclosures are nonjudicial: there is no lawsuit, and the trustee named in the deed of trust runs the process. The trustee records a notice of default. After a 90-day cure period, a notice of sale can follow; it must be posted, published, and recorded at least 20 days before the sale.
You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. There is no right of redemption after a nonjudicial trustee's sale. A trustee may postpone a sale at the lender's instruction or by agreement. For a one-to-four-unit home, state law also allows limited 45-day postponements tied to a broker listing and a qualifying purchase agreement when the statutory conditions apply. Do not assume the date has changed; confirm it with the trustee or lender.
Read the California Courts explanation of nonjudicial foreclosure, California Civil Code sections 2924c on reinstatement, 2924f on notices and postponements, and 2924g on trustee-sale conduct. The California Department of Real Estate explains redemption after a nonjudicial sale in its homeowner's foreclosure guide.
Property-tax sale: a separate process
A Kern County sale for delinquent property taxes is not the same as a mortgage trustee's sale. It has its own notices and dates, so do not use the mortgage deadlines for a tax-sale notice. Follow the instructions on the tax-sale notice and check the County Treasurer and Tax Collector's separate sale information below.
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 the lender for a current payoff and have a title company review the liens and expected closing figures. What a lender will accept depends on the loan and sale.
What happens next
- Contact us with the Bakersfield property address and the trustee's sale date, if one is scheduled.
- We review the house and provide a written cash offer and written terms before you commit.
- A title company reviews title, payoff, recorded liens, and closing figures with you.
- If you accept and the required steps can be completed in time, the title company coordinates closing.
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.
Kern County offices and sale information
For a property-tax sale, start with the Kern County Treasurer and Tax Collector's general tax sale information. These are tax-sale resources, not a mortgage trustee-sale schedule. Use the notice you received and confirm its current dates with the office handling that sale.
The Kern County Recorder's Recorded Documents Index can help with recorded-document lookups. It is not a title opinion or confirmation that a trustee's sale date has changed; confirm that date with the trustee or lender.
Questions and contact
Estimate possible sale proceeds with the Bakersfield calculator → Use your own estimated value and payoff; the calculator is a planning estimate, not a property-specific offer or settlement statement.
Questions about selling before foreclosure in Bakersfield, CA
Can I sell my Bakersfield house before a trustee's sale?
Often, yes. You may be able to sell before the trustee completes the sale if the payoff, title work, and closing can be completed in time. An offer by itself does not change a scheduled sale date, so confirm it with the trustee or lender. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
What California mortgage-foreclosure deadlines should I check?
After the trustee records a notice of default, a 90-day cure period comes before a notice of sale can follow. That notice must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. Confirm the dates and payoff for your property.
Is a Kern County property-tax sale the same as a mortgage trustee sale?
No. A mortgage foreclosure under a deed of trust and a sale for delinquent property taxes are separate processes with separate notices and dates. Do not apply mortgage trustee-sale deadlines to a tax-sale notice; follow the instructions on that notice and check with the Kern County Treasurer and Tax Collector.
What if my mortgage payoff is more than my Bakersfield house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender for a current payoff and have the title and closing figures reviewed. What a lender will accept depends on the particular loan and sale; no reduction is promised for a specific transaction.
Do I need to repair or clean out my house before asking about an offer?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can share what you know about the house when you contact us.
What closing costs do you pay?
When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate amounts that are confirmed for the property.
What sellers say about USA Home Buyers
Talk through the foreclosure date
Call 888-274-5006 or send the Bakersfield property address and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the payoff or sale information you have.