Burlington, IA / Foreclosure
Can I Sell My Burlington House in Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. Yes, a sale may still be possible if the payoff or redemption amount can be paid in time. Iowa home mortgages are generally foreclosed through a court case that can lead to a sheriff’s sale. The deadline depends on the kind of foreclosure and the papers for your property.
Call USA Home Buyers at 888-274-5006 or use the form. We buy houses as-is in Burlington and Des Moines County, Iowa.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the foreclosure papers or sale date you have.
How we help you work toward closing
USA Home Buyers buys houses as-is in Burlington and Des Moines County, Iowa. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We review the house and timing, then give you a written offer and written terms before you commit. If you choose to move ahead, the closing goes through a title company. The title company checks title and works through the current payoff and other closing details with us.
Mortgage foreclosure and property-tax sale are different
This page covers a mortgage foreclosure: Iowa home mortgages are generally foreclosed through a court case, which can lead to a sheriff’s sale. A property-tax sale is a separate process with its own notice and dates. If both are involved, keep the mortgage-case deadline and tax-sale deadline separate. Follow the dates and contact instructions on each notice.
Iowa mortgage-foreclosure timing
- Before suing, most lenders must give the owner of an occupied one- or two-family home a notice with 30 days to cure the default. They must also tell the owner that counseling and mediation are available.
- A sheriff’s sale must be posted and published, with the first publication at least four weeks before the sale.
- The deadline after the sale depends on the kind of foreclosure. Some allow redemption after the sale, generally for 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. A written demand may delay the sale under the court procedure.
These rules do not tell you how much time remains in your case. Have the title company or an attorney confirm the current deadline and amount needed. If the sale is scheduled, tell us the date right away so we can try to close before it.
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.
Ask your lender for a current payoff statement. The lender payoff, other liens, back taxes and your share of current property taxes are separate amounts to check for the closing.
What happens next
- Contact us. Call 888-274-5006 or send the property address and any foreclosure papers or sale notice you have.
- Review the written terms. We review the house as-is and give you a written offer and written terms before you commit.
- Work through title and payoff. If you choose to proceed, the title company checks title and payoff information and coordinates the closing steps.
- Confirm the sale date. Have the title company or an attorney confirm the deadline for your case. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
When you sell to us, we pay the closing costs, including Iowa real estate transfer tax. Your mortgage balance, liens, back taxes and share of current property taxes are separate.
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.
Des Moines County offices and records
For court-office routing, the Iowa Judicial Branch lists the Des Moines County Clerk of Court at 513 North Main Street, P.O. Box 158, Burlington, IA 52601, phone 319-753-8262. The Clerk is a local routing contact; use the case papers to confirm the court and dates for the property.
The Des Moines County Treasurer handles tax-payment and property-tax routing. For a notice about unpaid property taxes, use the notice’s own dates and contact instructions; do not substitute mortgage-foreclosure deadlines.
Estimate possible sale proceeds with the Burlington calculator → It is a planning estimate, not a property-specific offer.
Questions about selling before foreclosure in Burlington, IA
Can I sell my Burlington house before a foreclosure sale?
A sale may still be possible if the payoff or redemption amount can be paid in time. Iowa home mortgages are generally foreclosed through a court case that can lead to a sheriff’s sale. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. Have the title company or an attorney confirm the current deadline and amount needed.
Do I always have a year to redeem the house after a sheriff’s sale?
No single deadline applies to every foreclosure. Some Iowa foreclosures allow redemption after the sale, generally for one year, with shorter periods in some cases. In a foreclosure without redemption for nonagricultural property, there is no right to redeem after the sheriff’s sale. Have a title company or attorney confirm the deadline for your case.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a court case over a home loan that can lead to a sheriff’s sale. A property-tax sale is a separate process with its own notice and dates. Do not use a mortgage-foreclosure deadline for a tax-sale notice; follow the dates and contact instructions on that notice.
What if my mortgage payoff is more than my Burlington house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask your lender for a current payoff amount so it can be reviewed with the title information for the property.
Where can I ask about a Des Moines County court case or property taxes?
For court-office routing, the Iowa Judicial Branch lists the Des Moines County Clerk of Court in Burlington. The Des Moines County Treasurer handles tax-payment and property-tax routing. Follow the notice and case papers for the dates and office that apply to your property.
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.”
Talk through the foreclosure deadline
Call 888-274-5006 or send the Burlington property address. If you have a foreclosure case number or sale notice, share those details too.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
We buy houses as-is. Share the house and timing you are facing.