Our agreement of sale will often get a trustee's 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, a sale may still be possible if the loan can be paid off before the trustee’s auction. Treat the date on the notice as the deadline until the trustee confirms a change; have the title company or an attorney confirm the current date and amount needed.
USA Home Buyers buys houses in Beckley and Raleigh County, West Virginia. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Tell us the Beckley or Raleigh County property address and what sale notice you received. We review the house as-is and give you a written offer and written terms before you commit. If you choose to proceed, closing is through a title company.
Our agreement of sale will often get a trustee's 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 title company can check title and coordinate the current payoff information. Do not assume the noticed date has moved; confirm the current sale date with the trustee and have the title company or an attorney confirm the amount needed to pay off the loan.
Which sale is on your notice?
Mortgage foreclosure under a deed of trust
In West Virginia, after a default, the trustee named in a deed of trust can sell the house at public auction without a court case. The trustee generally publishes notice of the sale in the county where the property is once a week for two weeks in a row; there is a narrow exception for an older deed of trust. The trustee must also send the borrower notice by certified mail, return receipt requested. The notice counts once mailed to the required address, even if it comes back.
Treat the auction date as the deadline for completing a sale and paying off the loan. Have the title company or an attorney confirm the current sale date and amount needed. Sale proceeds pay the trustee’s expenses, then the secured debts; any surplus goes to the former owner.
A county property-tax sale is separate from a mortgage trustee’s sale and has its own notice and dates. The deed-of-trust publication, mailing, and auction timeline on this page is not a tax-sale deadline. Follow the date and instructions on your tax notice and contact the office identified there.
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 amount. The title company can review the payoff and title information with the written sale terms.
What happens next
1. Talk through the notice. Call or send the Beckley property address and the sale date shown on your notice.
2. Review written terms. We review the house as-is and give you a written offer and written terms before you decide whether to commit.
3. Check title and payoff. If you choose to proceed, the title company checks title and coordinates current payoff information.
4. Work toward closing. The loan payoff and sale must be completed by the current trustee’s sale date unless the trustee confirms a change.
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.
When you sell to us, we pay the closing costs, including the West Virginia real estate transfer excise tax and the additional county excise tax. Your mortgage payoff, liens, back taxes, and your share of current property taxes are separate and must be accounted for in the closing figures.
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.
Raleigh County tax-sale questions
For a county property-tax account or tax-sale notice, start with the Raleigh County Sheriff’s Tax Division. Follow the date and instructions on your notice and confirm them with the office identified there. For other county offices, use the Raleigh County official website. A parcel’s county or city jurisdiction cannot be determined from the city name alone; use the property records and the office named on your notice.
For a mortgage trustee’s sale, use the trustee’s notice to confirm the current auction date and ask the title company or an attorney to confirm the payoff amount.
Estimate possible sale proceeds
Use the calculator as a planning estimate; the actual payoff, title work, and written sale terms are specific to the property.
Can I sell my Beckley house before a trustee’s sale?
+−
A sale may still be possible if the loan can be paid off before the sale. Treat the auction date as the deadline for completing a sale and paying off the loan. Have the title company or an attorney confirm the current sale date and amount needed.
Does signing an agreement automatically postpone a trustee’s sale?
+−
Our agreement of sale will often get a trustee's 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.
Is a property-tax sale the same as a mortgage foreclosure?
+−
No. A mortgage foreclosure under a deed of trust can lead to a trustee’s sale. A county property-tax sale is a separate process with its own notices and dates. Do not use the mortgage trustee-sale timeline for a tax-sale notice; follow that notice and contact the office identified there.
What if my mortgage payoff is more than my Beckley 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 amount and have the title company review it with the sale terms.
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.
