Bedford, IN · Lawrence County · Foreclosure
Can I Sell My Bedford House in Foreclosure?
You may still have time to sell before the sheriff's sale if a sale can close and resolve the debt in time. Indiana mortgage foreclosures go through court. Before the sheriff's sale, you can redeem the house by paying the full judgment, interest, and costs through the court clerk or sheriff, depending on the stage of the case. Paying only overdue installments will not redeem it. Selling before foreclosure may help protect any equity you have. See Indiana Code § 32-29-7-7 and the Indiana Court of Appeals opinion in Wells Fargo Bank v. Tippecanoe Associates.
USA Home Buyers buys houses in Bedford and Lawrence County, Indiana. 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 or use the form to tell us about the house and the foreclosure notice.
We give written cash offers in 24 hours.
Share the property address and the notice or sale date you have.
How we help you work toward closing
We review the house as-is and give you the offer and written terms before you decide. If you want to move ahead, we work with a title company on title and payoff details while we work toward closing.
If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it.
Is your notice about a mortgage foreclosure or a tax sale?
A mortgage foreclosure is a court case about the home loan and can lead to a sheriff's sale. A Lawrence County tax sale concerns delinquent property taxes and follows a separate process with its own notice and dates. A postponement of a mortgage sheriff's sale does not change a tax-sale date.
For Lawrence County tax-sale information, see the Lawrence County Treasurer.
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.
We can review the payoff with you and work with the title company on the numbers as we work toward closing.
What happens next
Call or use the form and tell us about the Bedford house and the sheriff's-sale date on your notice. We review the property as-is and give you written offer terms before you decide. If you choose to proceed, we work with a title company on title, payoff, and the closing steps.
Close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate settlement items.
No agent commissions when you sell to us. No fees.
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.
Lawrence County court and tax-sale information
- Lawrence County lists the Circuit Court at 916 15th Street, Bedford, IN 47421, phone 812-275-2421. For a mortgage foreclosure, contact the court listed on your papers about the case and sale date. See the official Lawrence Circuit Court page.
- For property-tax payment questions and Lawrence County tax-sale information, contact the Lawrence County Treasurer at 916 15th Street, Room 27, Bedford, IN 47421, phone 812-275-2431. See the Treasurer's official information.
Questions about selling before foreclosure in Bedford, IN
Can I sell my Bedford house before a sheriff's sale?
Yes, you may still have time if a sale can close and resolve the debt before the sheriff's sale. Indiana mortgage foreclosures go through court. Before the sheriff's sale, you can redeem the house by paying the full judgment, interest, and costs through the court clerk or sheriff, depending on the stage of the case. Paying only overdue installments will not redeem it. Selling before foreclosure may help protect any equity you have. We can review the payoff and sale date with you.
What should I do if a sheriff's sale is scheduled?
If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it.
Is a Lawrence County tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a court case about a home loan. A property-tax sale is separate and has its own notice and dates. The Lawrence County Treasurer has information about the county tax sale.
What if my mortgage payoff is more than my Bedford house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. We can review the payoff with you as part of working through the sale and closing details.
What happens after I contact USA Home Buyers?
Tell us about the Bedford house and the sale date on your notice. We review the house as-is and give you written offer terms before you decide. If you want to move ahead, we work with a title company on title, payoff, and closing details.
Do I need to repair or clean out the house before selling to you?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Are closing costs separate from my mortgage and tax amounts?
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate settlement items.
Talk through the foreclosure deadline
Call USA Home Buyers at 888-274-5006 or send the Bedford property address and the notice you have.
We give written cash offers in 24 hours.
Share the address and the sale or payoff information you have.