Collinsville, VA › Foreclosure

Can I sell my Collinsville house before foreclosure?

You may still be able to sell before the Virginia trustee's sale if the sale closes and pays off the loan in time. USA Home Buyers buys houses in Collinsville, VA and Henry County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

We answer 24/7 at 888-274-5006. Call to talk about the notice and ask for a cash offer.

We give written cash offers in 24 hours.

Tell us about the house and the trustee sale date on your notice.

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How we help work toward a closing

Tell us about the house and the sale notice. You get a written offer and written terms before you commit, and we close through a title company.

Signing the agreement alone does not change the sale date; we use it to ask the trustee to postpone the sale. If the trustee postpones the sale, keep using the date in your notice until you have a new date in writing.

When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee.

No fees. No agent commissions when you sell to us. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay. 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.

Which sale is named in your notice?

Mortgage foreclosure

Virginia home foreclosures usually proceed as trustee's sales under a deed of trust. The trustee can auction the house without a court case. For an owner-occupied home, written notice of sale generally must go to the owner at least 60 days ahead; for other property, the period is generally 14 days. The sale must also be advertised in a local newspaper. A postponed sale must be advertised again. Until you have a new date in writing, plan around the date in your notice. Do not count on buying the house back after the sale.

Virginia law: Va. Code §55.1-320, §55.1-321, and §55.1-322.

Property-tax sale

A property-tax sale for unpaid taxes is separate from a mortgage foreclosure and has its own notices and deadlines. A mortgage-sale postponement does not change a tax-sale date; use the deadline in the tax-sale notice.

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.

What happens next

Call or use the form and tell us about the Collinsville house and the sale notice.
We review the house with you and give you a written offer and written terms before you commit.
If you choose to proceed, the title company works through title and payoff details. We use the agreement to ask the trustee to postpone the sale.
We work toward closing through the title company before the trustee's sale so the loan can be paid off in time. Close as fast as 7 days when title and closing details allow.

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.

Henry County tax help

Collinsville is in Henry County. For county property-tax payment questions, contact the Henry County Treasurer at 276-634-4675.

Questions and contact

Compare your own assumptions with the Collinsville home-sale net-proceeds calculator. It is a planning estimate, not a property-specific offer.

Visit the Collinsville reviews page to read seller feedback.

Questions about selling before foreclosure in Collinsville, VA

Can I sell my Collinsville house before a trustee's sale?

Signing the agreement alone does not change the sale date; we use it to ask the trustee to postpone the sale. You may still be able to sell before the trustee's sale if the sale closes and pays off the loan in time.

How much notice comes before a Virginia trustee sale?

For an owner-occupied home, written notice of sale generally must go to the owner at least 60 days ahead; for other property, the period is generally 14 days. The sale must also be advertised in a local newspaper. A postponed sale must be advertised again.

Is a property-tax sale the same as a mortgage foreclosure?

No. Virginia mortgage foreclosures usually proceed as trustee sales under a deed of trust. A property-tax sale is separate and has its own notice and deadline; a mortgage-sale postponement does not change a tax-sale date.

What if the 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.

Do I have to pay back taxes or liens before closing?

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.

What happens after I contact USA Home Buyers?

We talk through the house and notice with you. 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 works through title and payoff details while we ask the trustee to postpone the sale.

What our sellers say

BBB A rating Read our Google reviews

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“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.”

James R.Behind on Payments — Pre-Foreclosure

Call USA Home Buyers at 888-274-5006 or use the form below to talk about the house and notice.

We give written cash offers in 24 hours.

Tell us about the house and the trustee sale date on your notice.