How we help with a foreclosure sale
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You get a written offer and written terms before you commit, and we close through a title company.
When you sell to us, we pay the closing costs, including Rhode Island's real estate conveyance tax. No agent commissions when you sell to us. No fees.
If you decide to move ahead, we work with you and the title company on title and payoff details so we can work toward closing before the scheduled sale.
Which sale is on your notice?
A mortgage foreclosure is about a home loan. Rhode Island lenders can foreclose through a court case or, when the mortgage includes a power of sale, without a court case. A sale over unpaid East Providence property taxes is separate and has its own notice and date. Call us with the notice and we’ll sort out which sale you’re facing.
For a covered first mortgage on an owner-occupied home with one to four units, the lender normally must take part in a free mediation conference through a Rhode Island HUD-approved housing counseling agency before a power-of-sale foreclosure. Reverse mortgages, defaults on or before May 16, 2013, and other statutory exceptions are excluded. The conference is to be scheduled within 60 days after the notice is mailed. Read Rhode Island’s mediation law.
Before a power-of-sale foreclosure is advertised, the lender must mail the owner notice by certified mail. For a typical homeowner loan, that is at least 30 days before the first newspaper notice. Sale notices then run in a newspaper once a week for three weeks in a row, starting at least 21 days before the sale. The auction is public; once a sale under the statutory power of sale is complete, the owner’s right to redeem ends. See the state’s foreclosure-notice law and power-of-sale law.
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 us or use the form. Share the address and any foreclosure notice or sale date you have.
You get a written offer and written terms before you commit, and we close through a title company.
If you choose to sell to us, we work with you and the title company on the title and payoff details.
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.
Local property-tax help and Rhode Island foreclosure law
The East Providence Tax Collection Division handles property-tax payments and account questions. If your notice concerns unpaid city property taxes, ask the City about the account and call us with the notice so we can talk through its sale date separately from a mortgage foreclosure.
Compare possible sale proceeds
Compare possible proceeds with your mortgage payoff and other sale details.
Open the East Providence home-sale net-proceeds calculator →Questions and contact
Call us about the notice, payoff, or sale timing. We answer 24/7 at 888-274-5006.
Questions about foreclosure in East Providence, Rhode Island
Can I sell my East Providence house before a foreclosure sale?
A sale may still be possible if it closes before the foreclosure sale. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Does every Rhode Island mortgage foreclosure go through court?
No. A lender can foreclose without a court case when the mortgage includes a power of sale. Lenders can also foreclose through a court case.
Is an East Providence property-tax sale the same as mortgage foreclosure?
No. A sale over unpaid property taxes is separate from a lender’s mortgage foreclosure, with its own notice and date. Call us with the notice and we’ll sort it out with you.
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.
What our sellers say
“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.”
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.