Dothan, Alabama · Foreclosure

Can I Sell My Dothan House Before Foreclosure?

Often, you can sell before an Alabama mortgage foreclosure sale if the payoff, title work, and closing can be completed in time. If the sale already happened, certain people may have a limited right to buy the property back, called redemption; that is not extra time to stay in the house.

USA Home Buyers buys houses as-is for cash in Dothan, Alabama. Dothan city limits touch Dale, Geneva, Henry, and Houston Counties, so check the parcel’s county before using county-specific records. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call USA Home Buyers: 888-274-5006

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the property address and the foreclosure notice or sale date you have.

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How we help you work toward closing

Contact us with the property address and whatever notice or sale date you have. We review the house as-is, then give you a written offer and written terms before you commit; closing is through a title company. If a mortgage foreclosure sale is scheduled, 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.

The agreement is how we ask for a postponement. Keep checking the date on your notice with your mortgage servicer and qualified legal counsel; do not treat signing as confirmation that the date changed.

Which sale is named in your notice?

A mortgage foreclosure and a property-tax sale are different processes. The deadlines below are for mortgage foreclosure; do not use them to work out a tax-sale date. Follow the notice for the process you are facing.

Alabama mortgage foreclosure

A mortgage with a power-of-sale clause lets the lender foreclose without a court case. The sale notice generally must run once a week for three successive weeks in a newspaper in the county, or in an adjoining county if none is published there. Check the actual notice and sale date; this general rule does not tell you the date for a particular house.

After the sale, certain people may have a limited right to buy the house back, called redemption. For residential property with a homestead exemption claimed in the year of sale, the usual period is 180 days for a mortgage signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. For qualifying homestead property, missing required notice can change when the redemption period starts, but it cannot extend beyond one year after foreclosure.

Redemption 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.

Read the Alabama rules in Ala. Code §35-10-12, power-of-sale foreclosure, §35-10-13, sale notice, §6-5-248, redemption periods and notice, §6-5-248.1, older mortgages, §6-5-251, possession after written demand, and §6-5-253, redemption amount. Use your own notice and records for the property-specific date and status.

Property-tax sale

A notice about unpaid property taxes or a tax sale is separate from a mortgage foreclosure. Its deadlines are not the mortgage publication or redemption periods above, and the mortgage-sale postponement statement does not apply to a tax-sale date. Follow the date and instructions on the tax notice, and contact the property-tax office for the county where the parcel is located.

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. If you decide to move ahead, the title company can review the payoff, liens, and other closing figures against the written terms.

What happens next

1. Contact us about the house and notice. Call or use the form with the address and the date or instructions on your notice. You can contact us while you gather other paperwork.
2. Read the written offer and terms. We review the house as-is and give you a written offer and written terms before you commit.
3. Work through title and payoff details. If you choose to move ahead, the title company checks ownership and title, obtains payoff information, and reviews liens and amounts due at closing.
4. Work toward closing. The title company coordinates the closing. When you sell to us, we pay the closing costs, including Alabama’s deed tax. Your mortgage, 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.

Local county offices and records

Dothan city limits touch Dale, Geneva, Henry, and Houston Counties. A Dothan mailing address does not establish which county handles a particular parcel. For a property-tax notice, first confirm the parcel’s county, then use the Alabama Department of Revenue county-office directory to find its Revenue Commissioner.

Houston County: Greg Holland, Revenue Commissioner, Houston County Administration Building, 462 N. Oates Street, 5th Floor, Dothan, AL 36303. The directory lists the office; use the parcel county to confirm whether it is the right contact.
Henry County: Pamela Dyson, Revenue Commissioner, Henry County Courthouse, 101 Court Square, Suite C, Abbeville, AL 36310. Use the county directory for Dale or Geneva County contacts.

For recorded property documents, the packet lists the Houston County Probate Office and the Henry County Probate Office as county recording routes. Check the property’s actual county before using either office.

Questions and contact

We buy houses as-is for cash in Dothan, Alabama. Call 888-274-5006 or use the form. You can also read Dothan seller reviews or return to the Dothan market page.

Estimate possible sale proceeds with the Dothan calculator → Use it as a planning estimate, not a property-specific offer or payoff quote.

Foreclosure questions in Dothan, Alabama

Can I sell my Dothan house before a mortgage 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. A sale may be possible if the payoff, title work, and closing can be completed before the scheduled sale. Keep checking the current date with your mortgage servicer and qualified legal counsel.

Does signing an agreement of sale automatically postpone an Alabama 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. Do not treat the signed agreement as confirmation that the sale date changed; confirm the current date with your mortgage servicer and qualified legal counsel.

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

No. A mortgage foreclosure concerns mortgage debt; a property-tax sale is a separate process with separate notices and deadlines. Do not use the mortgage notice or redemption periods to calculate a tax-sale date. Follow the tax notice and contact the property-tax office for the county where the parcel is located.

How long is Alabama’s mortgage redemption period after foreclosure?

Certain people may have a limited right to buy a foreclosed property back, called redemption. For residential property with a homestead exemption claimed in the year of sale, the usual period is 180 days for a mortgage signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. Qualifying homestead-property notice issues can change when the period starts, but not extend it beyond one year after foreclosure. Redemption is not extra time to stay in the house.

What if the payoff is more than my Dothan 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 statement so the amount needed for closing can be reviewed.

Which county property-tax office should I contact about a Dothan address?

Dothan city limits touch Dale, Geneva, Henry, and Houston Counties. The city name or mailing address alone does not identify the county for a particular parcel. Confirm the parcel’s county, then use the Alabama Department of Revenue county-office directory to find that county’s property-tax contact.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Tell us about the house and the foreclosure notice or sale date you are facing.