Can I Sell My Barnstable Town House Before Foreclosure?

How we help before a foreclosure sale

Tell us the property address and what the notice says. We review the house as-is and give you a written cash offer and written terms before you commit. If you decide to move ahead, a title company works through ownership, signing authority, lender payoff figures and other title items with us.

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. The agreement itself is not a new auction date, so confirm any change with the lender or the party handling the sale.

When you sell to us, we pay the closing costs, including the Massachusetts deeds excise. That does not pay your mortgage, liens, back taxes or your share of current property taxes; those are separate amounts reviewed through the 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.

Is the notice about a mortgage foreclosure or a tax sale?

Most Massachusetts mortgage foreclosures use the mortgage's power of sale: the lender can hold a public auction without a judge deciding the foreclosure itself. A lender usually files a Servicemembers case in Land Court first; that case checks whether the owner is protected as a servicemember. Read the state's mortgage-foreclosure overview and Land Court Servicemembers FAQ.

For an eligible owner-occupied home with one to four units, the lender must send a right-to-cure notice and allow 90 days to catch up before demanding the full loan balance. This right is available once in a five-year period. A loan-modification review can extend that time to as long as 150 days for certain higher-risk loans. See Massachusetts General Laws, chapter 244, section 35A and section 35B. The rules depend on the loan and property; read your notice and confirm your dates.

The mortgage sale is a public auction run by the lender or its agent or attorney. Notice must be published once a week for three weeks, starting at least 21 days before the auction, and mailed to the owner at least 14 days before. Those notice periods are not a way to calculate your personal deadline from this page. See section 14 and confirm the current date and amount needed with your lender, title company or attorney. Under section 18, the right to redeem ends when the power-of-sale auction takes place.

A notice about unpaid property taxes or a tax-title matter is separate from a mortgage foreclosure. The mortgage cure period and auction-notice dates above do not set a tax matter's deadlines. Use the contact and due date on the tax notice and get advice about that specific notice promptly.

What happens next

1. Tell us the address and what your foreclosure notice says; share any payoff information you already have.
2. We review the house and give you a written cash offer and written terms before you commit.
3. If you accept, we work with a title company to confirm ownership and signing authority, get payoff figures, and identify liens and tax amounts.
4. We use the agreement to ask for a postponement when needed, then work toward a title-company closing on the terms you accepted.

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.

Compare the numbers for your house

Mortgage payoff, liens, property condition and closing costs affect what may remain. Use the Barnstable Town net-proceeds calculator to test your assumptions → It is a planning estimate, not a property-specific offer or settlement statement.