Decatur, AL · Foreclosure
Can I Sell My Decatur House in Foreclosure?
Our agreement of sale will often get a foreclosure 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 an Alabama mortgage foreclosure sale is approaching, you may still be able to sell and close before the sale. The payoff, title work, and actual sale date matter. A power-of-sale mortgage can let a lender foreclose without first filing a court case. Check your notice and confirm any changed date with your lender and qualified legal counsel.
USA Home Buyers buys houses as-is in Decatur, Morgan County, and Limestone County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call USA Home Buyers: 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the notice or sale date you have.
How we help you work toward closing
We review the house, the paperwork you have, and the timing on your notice. You can read the written offer and written terms before you commit. If you choose to sell, a title company works through title and payoff details with you as we work toward closing.
Our agreement of sale will often get a foreclosure 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.
Signing the agreement does not by itself change the sale date or the legal deadlines. Confirm the date with the lender and qualified legal counsel; do not assume that a postponement request has been accepted.
Mortgage foreclosure and property-tax sale are different
This page is about mortgage foreclosure. An Alabama mortgage with a power-of-sale clause can allow a lender to foreclose without a court case. A property-tax sale is a separate matter with its own notices and deadlines. Do not use a mortgage notice or postponement request to work out the date for a tax matter; follow the tax notice and the official contact named there.
Alabama mortgage-sale notice and redemption
For a power-of-sale mortgage, notice of the sale generally must run once a week for three successive weeks in a newspaper in the county, or in an adjoining county if no newspaper is published there. Check the notice and sale records for the property; a general rule does not give you that house's sale date.
After a mortgage foreclosure sale, some people have a limited right to buy the house back, called redemption. For residential property with a homestead exemption claimed in the year of sale and a mortgage signed on or after January 1, 2016, the usual period is 180 days. Other property and older mortgages generally have a one-year period. For qualifying homestead property, missing required notice can change when redemption starts, but it cannot extend the period beyond one year after foreclosure.
Redeeming means paying the sale price, interest, and lawful charges, which can include improvements, taxes, and insurance. If the purchaser also owns the mortgage debt, the remaining debt and interest may be due too. A debtor or mortgagor still in possession must leave within 10 days after the purchaser's written demand or risk losing redemption rights. Redemption is not extra time to stay in the house.
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 payoff statement. The title and payoff details can then be compared with the written sale terms to see what closing would need to address.
What happens next
- Call or send the Decatur property address and share the notice or sale date you have.
- Review our written cash offer and written terms before you decide whether to commit.
- If you choose to proceed, a title company reviews title, mortgage payoff, liens, back taxes, and the closing figures.
- Confirm any mortgage or tax-sale date with the official contact handling that matter.
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 Alabama's deed tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate from that closing-cost promise.
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.
Morgan and Limestone County property-tax contacts
The current Decatur city boundary overlaps Morgan and Limestone Counties. Confirm the county for the specific parcel before using county records; a Decatur mailing address alone does not establish which county has the property-tax record. These Revenue Commissioner contacts are for property-tax appraisal and assessment routing, not a mortgage-foreclosure sale schedule.
The Alabama Department of Revenue county-office directory lists these offices:
- Morgan County Revenue Commissioner: Morgan County Courthouse, 302 Lee St. N.E., Decatur, AL 35601; 256-351-4696.
- Limestone County Revenue Commissioner: Limestone County Courthouse, 100 S. Clinton St., Suite A, Athens, AL 35611; 256-233-6433.
Questions and contact
Call USA Home Buyers at 888-274-5006 or use the form. We buy houses as-is in Decatur, Morgan County, and Limestone County, Alabama.
Estimate possible sale proceeds with the Decatur calculator → It is a planning tool, not a property-specific offer or payoff figure.
Read the Decatur, AL market report →
Foreclosure questions from Decatur homeowners
Can I sell my Decatur house before an Alabama mortgage foreclosure sale?
Often, yes, if the payoff, title work, and closing can be completed before the sale. Our agreement of sale will often get a foreclosure 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. Check your notice and confirm any changed sale date with your lender and qualified legal counsel.
Does signing an agreement of sale automatically postpone a foreclosure sale?
Our agreement of sale will often get a foreclosure 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. Confirm the current date and any change to it with your lender and qualified legal counsel.
Is an Alabama mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure concerns the home loan. A property-tax sale is a separate matter with its own notices and deadlines. Do not use a mortgage-foreclosure date to work out a tax-sale deadline; follow the notice for the tax matter.
What if the payoff is more than my Decatur 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 and title review show the amounts that need to be addressed at closing; a reduction for a particular sale is not promised.
What if the Alabama mortgage foreclosure sale already happened?
Some people may have a limited right to buy the property back after the sale, called redemption. For residential property with a homestead exemption claimed in the year of sale and a mortgage signed on or after January 1, 2016, the usual period is 180 days. Other property and older mortgages generally have a one-year period. Missing required notice for qualifying homestead property can change when the period starts, but it cannot extend redemption beyond one year after foreclosure. Redemption means paying the sale price, interest, and lawful charges; it is not extra time to stay in the house.
Do I have to pay back taxes or liens before selling to you?
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 balance and share of current property taxes are separate from closing costs.
What happens after I contact USA Home Buyers?
We review the house and give you a written offer and written terms before you commit. If you choose to proceed, a title company works through title, payoff, and closing details. The actual sale date and property-specific requirements still matter.
Ask about selling before a foreclosure sale
Call 888-274-5006 or send the Decatur property address and the notice or sale date you have.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the notice or sale date you have.