Can I Sell My Bel Air South House in Foreclosure?

How we help with a foreclosure sale

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. We can review the notice and the lender's payoff with you.

No agent commissions when you sell to us. No fees.

When you sell to us, we pay the closing costs, including Maryland's state transfer tax, recordation tax and any applicable county transfer tax.

A mortgage foreclosure and a tax sale are different

A mortgage foreclosure follows a home-loan default. Harford County has a separate annual tax-sale process for real-property taxes that remain unpaid by April 1. If you have an overdue property-tax bill or tax-sale notice, tell us what it says. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.

Harford County tax-sale and redemption information →

What Maryland's mortgage timeline means for you

• The lender must send notice that it plans to foreclose at least 45 days before filing. It cannot file until 90 days after you default on the loan.
• If you live in the house, you can generally ask for foreclosure mediation — a meeting to discuss options with the lender — within 25 days after the lender serves its final loss-mitigation affidavit. You can catch up the loan until one business day before the sale.
• The person conducting the lender's sale must give you at least 10 days' notice. The circuit court must ratify, or approve, the sale before it is final. After you receive notice of the report of sale, you have 30 days to file exceptions — an objection to the sale.
• If you live in the house and are at least 60 days behind, you can cancel a sale contract within five days after signing. A deed or other title document cannot be recorded during those five days.

Maryland foreclosure filing, mediation and cure rules · Maryland foreclosure sale and court-ratification law · Maryland five-day contract-cancellation rule

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.

What happens next

Call us or use the form. We work with you and the title company to review the sale notice, title details and lender payoff.

You get a written offer and written terms before you commit, and we close through a title company.

Close as fast as 7 days when title and closing details allow.

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.

Maryland foreclosure help and sale information

Maryland's Office of Financial Regulation explains the mortgage foreclosure process. Harford County provides tax-sale dates and redemption information for properties with unpaid real-property taxes.

Maryland mortgage foreclosure process · Harford County tax-sale information