Boyne City, MI · Charlevoix County / Foreclosure
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Yes. If a mortgage sheriff’s sale is coming up, selling may still be possible when the required payoff and closing steps can be completed before the applicable deadline. If the sale already happened, a redemption period may apply; its deadline and amount depend on the property and foreclosure details.
USA Home Buyers buys houses as-is in Boyne City and Charlevoix County, Michigan. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 or use the form to tell us what is happening.
We'll give you a written cash offer within 24 hours.
Share the property address and the date or notice you are facing.
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
We review the house as-is, the notice or sale information you have, the current payoff, title, and the time available. You receive a written offer and written terms before you commit; the closing is through a title company. We use the agreement to ask for a postponement, but keep following the date on your notice unless the office handling the sale confirms a change.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
A mortgage foreclosure concerns the home loan. Michigan mortgage foreclosure auctions are commonly called sheriff’s sales. State law describes the public sale in MCL 600.3216 and how a sale may be adjourned in MCL 600.3220. Keep using the date on your current notice unless the responsible office confirms a change.
If the mortgage sale already happened, Michigan law may give you time to redeem the property by paying the required amount. In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. The amount includes the sale amount plus required interest and charges, not just missed payments. A title company or attorney can confirm the property’s exact sale status, deadline, and amount before you rely on a closing date. A post-sale redemption period is not the deadline for a scheduled sale. See MCL 600.3240 on redemption periods and amounts.
A property-tax foreclosure concerns delinquent property taxes, not the mortgage loan. It is a separate process with its own notices and deadlines; do not use a mortgage sheriff’s-sale date or redemption period for a tax foreclosure. Follow the tax notice and the county instructions. The Michigan Treasury guide to property forfeiture and foreclosure explains that tax process. For mortgage-foreclosure stages, see the Michigan State Housing Development Authority’s foreclosure guide.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Ask the lender for a current payoff. The title company can review the payoff and other recorded liens against the sale terms; any lender decision depends on the figures for that transaction.
Call or use the form with the Boyne City address, the property’s condition, and any sale date or tax notice you have. You can call while you are still sorting out the paperwork.
We give you a written cash offer within 24 hours. You can review the written offer and terms before you decide whether to commit.
A title company reviews ownership, the current mortgage payoff, recorded liens, back taxes, and your share of current property taxes. We use the agreement to ask for a postponement; the office handling the sale must confirm any changed date.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.
When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. Mortgage payoffs, liens, back taxes, and your share of current property taxes are separate amounts.
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.
For county tax questions, a delinquent-tax search, and tax-sale information, contact the County Treasurer at 13513 Division Street, Charlevoix, MI 49720, or call 231-547-7202. Follow the notice for the property’s current dates and instructions.
Charlevoix County Treasurer information →For a City of Boyne City tax-bill question or local tax-payment routing, contact City Hall at 319 N. Lake Street, Boyne City, MI 49712, or call 231-582-6597.
Boyne City tax information →Use your own payoff and cost figures to estimate possible sale proceeds. The calculator is a planning estimate, not a property-specific offer or title-company settlement statement.
Estimate possible sale proceeds with the Boyne City calculator →A sale may still be possible if the required payoff and closing steps can be completed before the applicable deadline. Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Keep following the date on your notice unless the office handling the sale confirms a change.
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
No. A mortgage foreclosure concerns the home loan and may proceed to a sheriff’s sale. A property-tax foreclosure concerns delinquent property taxes and follows a separate process, with different notices and deadlines. Do not use a mortgage sale date or mortgage redemption period as a tax-foreclosure deadline. Follow the tax notice and check with the Charlevoix County Treasurer.
In a Michigan foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just missed payments. Have a title company or attorney confirm the property’s current sale status, exact deadline, and amount; a post-sale redemption period is not the deadline for a scheduled sale.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender for a current payoff so the title company can review the figures for your property.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. Your mortgage payoff and share of current property taxes are separate amounts.
The Charlevoix County Treasurer provides county tax information, a delinquent-tax search, and tax-sale information. The office is at 13513 Division Street, Charlevoix, MI 49720; call 231-547-7202. Follow the notice for the property’s current deadline and instructions.
Call 888-274-5006 or tell us about the property and the notice you received. USA Home Buyers buys houses as-is in Boyne City and Charlevoix County.
We'll give you a written cash offer within 24 hours.
Share the property address and the date or notice you are facing.
For more local selling information, see the Boyne City seller resources, the Boyne City selling guide, and Boyne City seller reviews.