Bluefield, West Virginia · Mercer County foreclosure

Can I Sell My Bluefield House Before Foreclosure?

If a trustee's 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 loan can be paid off before the trustee's auction. USA Home Buyers buys houses in Bluefield, West Virginia and Mercer County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

We answer 24/7 at 888-274-5006.

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

Read our Google reviews

How we help with the sale

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

If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.

You get a written offer and written terms before you commit, and we close through a title company. We work with the title company on title and payoff details while we work toward closing.

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.

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

Which sale is involved?

Mortgage foreclosure under a deed of trust

In West Virginia, after a default, the trustee named in the deed of trust can sell the house at public auction without a court case. The trustee generally advertises the sale in the county where the property is once a week for two weeks in a row, with a narrow exception for an older deed of trust. The trustee also sends the borrower notice by certified mail, return receipt requested. The notice counts once mailed to the required address, even if it comes back.

The auction date is the deadline for completing a sale and paying off the loan. Sale proceeds first pay the trustee's expenses, then the debts secured by the house; any surplus goes to you.

W. Va. Code §38-1-3 — sale under trust deed §38-1-4 — notice of sale §59-3-2 — legal advertisement §38-1-7 — sale proceeds

Delinquent property-tax sale

A Mercer County property-tax sale is separate from a mortgage trustee's sale and has its own notice and dates. We can look at the tax-sale notice and timing with you.

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.

Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs. We work with the title company on payoff details as we work toward closing.

What happens next

1. Tell us what's happening. Call us at 888-274-5006 or use the form to share the property address and sale date. We'll talk through the notice and timing with you.
2. Review written terms. We give you a written offer and written terms before you decide whether to commit.
3. Work through title and payoff. If you choose to proceed, we work with the title company to review title and current payoff details as we work toward closing.

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.

Mercer County tax questions

For Mercer County property-tax questions, contact the Sheriff Tax Office. A tax-sale notice has its own dates, separate from the mortgage trustee-sale timeline.

Mercer County Sheriff Tax Office

Compare possible sale proceeds

Use your own sale and payoff assumptions to estimate possible net proceeds. The calculator is a planning estimate, not a property-specific offer or payoff figure.

Open the Bluefield home-sale net-proceeds calculator →

Questions about foreclosure in Bluefield, WV

Is a mortgage trustee sale the same as a Mercer County property-tax sale?

No. A mortgage trustee sale and a Mercer County property-tax sale are separate, with their own notices and dates. For Mercer County property-tax questions, contact the Sheriff Tax Office.

What if the payoff is more than my Bluefield house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What if my trustee's sale is already scheduled?

If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. In West Virginia, the auction date is the deadline for completing a sale and paying off the loan. Call us — we'll talk through the timing.

What our sellers say

BBB A rating Read our Google reviews

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”

James R.Behind on Payments — Pre-Foreclosure

Questions or ready to talk?

Call 888-274-5006 or send the property address through the form. We answer 24/7.

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.