Bettendorf, IA · Foreclosure
Can I Sell My Bettendorf House Before Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
A sale may still be possible if the payoff or redemption amount can be paid in time. Iowa mortgage foreclosures usually go through a court case and may end in a sheriff’s sale.
We answer 24/7 at 888-274-5006.
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.
You get a written offer and written terms before you commit, and we close through a title company.
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs, including Iowa real estate transfer tax. Your mortgage payoff is separate, and the title company confirms the amount for closing.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Mortgage foreclosure and tax sale have different deadlines
In Iowa, a mortgage foreclosure usually goes through a court case. For an occupied one- or two-family home, most lenders must send a notice giving you 30 days to cure the default before filing the case; the notice also tells you counseling and mediation are available. The first published notice of a sheriff’s sale must appear at least four weeks before the sale.
Your time after the sheriff’s sale depends on the foreclosure. Some cases allow a redemption period, generally one year, with shorter periods in some cases. If the lender chooses foreclosure without redemption for nonagricultural property, there is no right to redeem after the sheriff’s sale. If you are unsure which deadline applies, tell us what your notice says and we’ll sort it out with you.
Unpaid property taxes can lead to a separate Scott County tax sale. The Scott County Treasurer handles property-tax accounts and tax-sale information. Use the date on the tax-sale notice when you call; it is a different process from a lender’s mortgage foreclosure.
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 or use the form and tell us the sale date, what the notice says, and what you know about the mortgage payoff. We’ll review the timing with you and work with the title company on the payoff details.
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.
Local help in Scott County
Bettendorf is in Scott County. For mortgage-foreclosure court information, contact the Iowa District Court Clerk of District Court in Scott County. For a property-tax account or tax-sale question, contact the Scott County Treasurer.
Questions about foreclosure in Bettendorf, IA
Can I sell my Bettendorf house before the sheriff’s sale?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. A sale may still be possible if the payoff or redemption amount can be paid in time.
Is a Scott County tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a lender’s court case that can lead to a sheriff’s sale. A tax sale is a separate county process tied to unpaid property taxes. The notices have different dates and deadlines.
What if the mortgage payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
How soon can a sale close?
Close as fast as 7 days when title and closing details allow.
What costs do I pay when I sell to USA Home Buyers?
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs, including Iowa real estate transfer tax. Your mortgage payoff is separate, and the title company confirms the amount for closing.
Compare possible Bettendorf sale proceeds with the calculator →
Talk through your foreclosure notice
Call us — we’ll sort it out with you. We answer 24/7 at 888-274-5006.
Return to the offer form at the top whenever you’re ready.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”