Our agreement of sale will often get a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
If the sale can close and pay the required debt before your deadline, selling may still be an option. In Illinois, the normal redemption deadline comes before the foreclosure auction. A postponement does not extend that deadline.
USA Home Buyers buys houses as-is in Centralia, Illinois, and throughout Marion and Clinton counties. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call us now about your Centralia house and any foreclosure or tax notice you have.
Call USA Home Buyers — 888-274-5006Tell us what’s happening with the house and sale.
You get a written offer and written terms before you commit, and we close through a title company. If you choose to move forward, we work with the title company on title and payoff details while we work toward closing.
No agent commissions when you sell to us. When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes. Your mortgage, liens, back taxes, and share of current property taxes are separate amounts.
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.
Illinois mortgage foreclosure and property-tax sales are separate processes, with different notices and deadlines. The postponement request for a mortgage foreclosure concerns that sale, not a property-tax sale.
Illinois mortgage foreclosures go through court. The deadline and payoff depend on your case. Paying only missed installments and paying the full foreclosure amount are different options.
Illinois law covers redemption and foreclosure-sale timing in 735 ILCS 5/15-1602 through 15-1604 and 15-1507 and current §15-1603. The Illinois Courts publish mortgage-foreclosure forms, including forms to ask the court to stay a sale.
Unpaid property taxes have a separate sale process, with their own notices and deadlines. The mortgage redemption deadline and a request to postpone a mortgage sale do not change a property-tax sale date.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Call us and we can talk through the payoff and what it means for a possible sale.
Call now or use the form to tell us what is happening with the house and sale.
You get a written offer and written terms before you commit.
If you choose to proceed, we work with the title company on ownership, mortgage payoff, liens and other closing details.
If you move ahead, we work toward closing through the title company under the written terms.
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.
Centralia includes homes in Marion and Clinton counties. Tell us the property address and we’ll help point you to the right county office. The Circuit Clerk handles court case information; the Treasurer handles property-tax questions.
Circuit Clerk: 100 E. Main Street, Room 204, Salem, IL 62881.
Treasurer: 100 E. Main Street, Suite 105, Salem, IL 62881.
Circuit Clerk: 850 Fairfax Street, Room 220, Carlyle, IL 62231.
Treasurer mailing address: PO Box 174, Carlyle, IL 62231; the office is at the County Courthouse, 850 Fairfax Street, Carlyle.
Compare a written offer with the payoff and other figures for the house using the Centralia home-sale net proceeds calculator as a planning estimate, not a property-specific offer or payoff figure.
If a sale can close and pay the required debt before the applicable deadline, selling may still be an option. Illinois mortgage foreclosures go through court, and the normal redemption deadline is before the foreclosure auction. A postponement does not extend that deadline.
No. A property-tax sale has its own notices and deadlines. Our postponement request concerns a mortgage foreclosure sale, not a property-tax sale. Call us with either notice and we’ll help you sort out which sale you’re facing.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
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 and share of current property taxes are separate amounts.
You get a written offer and written terms before you commit, and we close through a title company. If you choose to move ahead, we work through title and payoff details and work toward closing.
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“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.”
Call USA Home Buyers at 888-274-5006 or request a written cash offer below.
Tell us what’s happening with the house and sale.