Cheboygan County Treasurer
Tax and delinquent-tax-process contact: 870 South Main Street, Room 201, Cheboygan, MI 49721 · 231-627-8821.
Cheboygan, MI › Foreclosure
Can I Sell My Cheboygan House Before 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. A sale may still be possible if the required payoff or redemption can be completed before the applicable deadline. Michigan mortgage foreclosure auctions are commonly called sheriff’s sales. The notices, payoff, title work, and exact deadline for your property determine whether a sale can close in time.
USA Home Buyers buys houses as-is in the City of Cheboygan and Cheboygan County, Michigan — in any condition, with no repairs, no cleaning, and no cleanout required to sell to us.
Call 888-274-5006 about the houseYou can call or send the property address through the form. You do not need to have every notice sorted out first.
How we help you work toward closing
We review the house as-is and give you a written cash offer with written terms before you commit. You do not repair, clean, or clear out the house to sell to us.
If you choose to move ahead, closing is through a title company. We work with it on ownership records, the current mortgage payoff, other liens, and closing details.
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.
Michigan mortgage foreclosure and redemption deadlines
In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. To redeem, the amount is the sale amount plus required interest and charges — not just the missed payments. The title company or an attorney can confirm the sale status, exact deadline, and amount needed before you rely on a closing date.
Official guidance: Michigan State Housing Development Authority: Stages of Foreclosure. Michigan law: public mortgage sale, redemption periods and amounts, and sale adjournments.
Mortgage foreclosure or a property-tax notice?
A mortgage sheriff’s sale and a delinquent property-tax matter are different processes. A mortgage notice concerns the home loan; an unpaid property-tax notice follows a separate tax process. Do not treat the deadline in one notice as the deadline in the other.
For a property-tax notice, the responsible office depends on the local unit. Cheboygan County provides information about its delinquent-tax process and lists local tax offices; the City of Cheboygan has its own Treasurer for city property-tax questions.
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. That does not change a separate tax-process deadline or determine the status of a property-tax case.
City of Cheboygan Treasurer
For City of Cheboygan property-tax questions, contact the City Treasurer.
City Treasurer information → County directory of local tax offices →
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 the lender for a current written payoff. The title company can review that figure along with other liens and tax amounts so you can see what would need to be addressed in the closing figures.
What happens next
- Call or send us the Cheboygan property address and whatever foreclosure notice or sale date you have.
- We review the house as-is and give you a written cash offer and written terms before you decide.
- If you want to proceed, we work with the title company on ownership records, mortgage payoff, liens, tax amounts, and closing details.
- 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.
- If the required title and payoff steps can be completed in time, the sale can close through a title company.
When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. This does not pay the seller’s mortgage, liens, back taxes, or share of current property taxes; those are separate items in the closing figures.
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.
Questions and contact
Questions about foreclosure in Cheboygan, MI
Can I sell my Cheboygan house before a sheriff’s sale?
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 checking your notices and confirm the current sale status, exact deadline, and amount needed with the title company or an attorney.
How long is the redemption period after a Michigan mortgage foreclosure sale?
In a 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 the missed payments. Have a title company or attorney confirm the sale status, exact deadline, and amount for the property.
Is a mortgage sheriff’s sale the same as a property-tax foreclosure?
No. A mortgage foreclosure and a delinquent property-tax matter are separate processes with separate notices and deadlines. If your notice concerns unpaid property taxes, check Cheboygan County’s delinquent-tax process and confirm the responsible local tax office for the property address.
What if my mortgage payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A current payoff statement and title review can show the amounts that would need to be addressed at closing.
Do I have to pay back taxes before asking about a sale?
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. A separate property-tax notice or deadline still needs to be checked with the responsible tax office.
Compare possible net proceeds with the Cheboygan home-sale calculator → The calculator is an estimate, not a property-specific offer.
Return to the Cheboygan market overview for more local seller information.
Talk with us about your Cheboygan house
Call 888-274-5006 or send the property address through the form.
We give written cash offers in 24 hours.
Share the property address and what notice or deadline you are facing.