Town of Boone, NC · Watauga County · Foreclosure
Can I Sell My Boone House Before Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
If the auction has not happened yet, you may be able to sell before it if the closing can happen in time. After the sale report is filed with the clerk, a 10-day upset-bid period begins; each new bid starts another 10 days. Paying the loan and sale costs in full before the last upset-bid period ends stops the foreclosure. Many North Carolina home loans use a deed of trust, so the lender asks the Clerk of Superior Court to approve the foreclosure at a hearing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in Boone and Watauga County, North Carolina.
We answer 24/7 at 888-274-5006. Call or use the form to ask for a cash offer.
How we help you work toward closing
We review the house as-is. You get a written offer and written terms before you commit, and we close through a title company. If you decide to move forward, the title company checks ownership and recorded claims and confirms the current payoff with your lender or other creditor.
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Mortgage foreclosure or a property-tax sale?
A North Carolina mortgage foreclosure and a property-tax sale are separate processes with separate notices and dates. Mortgage foreclosures commonly use a deed of trust and a hearing before the Clerk of Superior Court. A property-tax sale has its own notice and schedule; use the dates on that notice and contact Watauga County Tax Administration.
North Carolina mortgage-foreclosure steps
- For a qualifying home loan on your main home, the servicer must mail a notice at least 45 days before filing for the foreclosure hearing. This rule does not cover every loan, including home-equity lines and reverse mortgages.
- The hearing notice must be served at least 10 days before the hearing. At the hearing, the clerk checks for a valid debt, a default, the right to foreclose, and proper notice. If the clerk lets foreclosure proceed, you have 10 days to appeal.
- The notice of sale is posted at the courthouse for at least 20 days and published in a newspaper once a week for two weeks. The sale is a public auction.
- After the sale report is filed with the clerk, a 10-day upset-bid period begins. Anyone can raise the bid by at least 5% and at least $750. Each new upset bid starts another 10-day period. If the final day falls when the clerk's office is closed, the deadline moves to its next open day.
- Until the last upset-bid period ends, paying the loan and sale costs in full stops the foreclosure. When a 10-day period ends without another bid, the sale is final. A sale that closes in time can provide the payoff if its proceeds and other arrangements cover the required amounts.
Read the North Carolina Judicial Branch foreclosure information, G.S. 45-102 on the advance notice, G.S. 45-21.16 on the hearing and appeal, the sale and upset-bid statutes, and G.S. 45-21.20 on paying before the sale is final.
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.
The title company can request a current mortgage payoff and check recorded liens. Your mortgage balance, liens, back taxes, and share of current property taxes are separate settlement items. The title company can confirm the current payoff figures for your sale.
We give written cash offers in 24 hours.
Share the Boone property address and the dates on your notice.
What happens next
- Call or share the Boone property address and what you know about the notice, payoff, and sale date. You can call before you have every document.
- We review the house as-is and give you a written cash offer and written terms before you commit.
- If you choose to proceed, we work with the title company and your lender or other creditor on ownership, liens, and payoff details.
- We work toward closing before the scheduled sale.
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.
Watauga County foreclosure and tax contacts
The Watauga County Clerk of Superior Court handles mortgage-foreclosure hearings. For a property-tax notice, Watauga County Tax Administration has county property-tax information. Call us and we'll talk through the notice, the sale date, and what a closing would involve.
- Watauga County Clerk of Court — contact the clerk about your foreclosure case.
- Watauga County Tax Administration — county tax information.
Compare possible net proceeds
Use your own price, payoff, lien, tax, and closing-cost assumptions to estimate possible net proceeds. The calculator is a planning estimate, not a property-specific offer or foreclosure payoff quote.
Questions and contact
Call 888-274-5006 or use the form above to talk about a Boone house and request a cash offer.
Questions about selling before foreclosure in Boone, NC
Can I sell my Boone house before a mortgage foreclosure sale?
You may be able to sell before the auction if the closing can happen in time. After the sale report is filed with the clerk, a 10-day upset-bid period begins; each new bid starts another 10 days. Paying the loan and sale costs in full before the last upset-bid period ends stops the foreclosure. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
What deadlines apply to a North Carolina mortgage foreclosure?
For a qualifying home loan on your main home, the servicer must mail a notice at least 45 days before filing for the hearing; that rule does not cover every loan, including home-equity lines and reverse mortgages. The hearing notice must be served at least 10 days ahead. If the clerk allows foreclosure to proceed, you have 10 days to appeal. The sale notice is posted at the courthouse for at least 20 days and published once a week for two weeks. After the public auction, each upset-bid period lasts 10 days from the sale report or a later upset bid. These are mortgage-foreclosure steps, not property-tax-sale deadlines.
Is a Watauga County property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure and a property-tax sale are separate processes with separate notices and dates. The mortgage deadlines here do not apply to a tax sale. Use the dates on your tax-sale notice and contact Watauga County Tax Administration.
What if the mortgage payoff is more than my Boone house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens after I contact USA Home Buyers?
We talk through the house and what you know about the notice and sale date. You get a written offer and written terms before you commit, and we close through a title company. If you choose to proceed, the title company checks ownership and recorded claims and confirms payoff details as the sale moves toward closing.
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.”