Our agreement of sale will often get a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
Yes, you may still have time to sell if a sale can close and pay the required debt before the applicable deadline. Illinois mortgage foreclosures go through court, and the normal redemption deadline is before the foreclosure auction. Your deadline and payoff depend on the court case. Paying missed installments and paying the full foreclosure amount are different options. Call us as early as you can; the sooner we start, the more options you have. If you have the court papers or sale date, tell us what they say.
USA Home Buyers buys houses as-is in Effingham, Illinois and Effingham County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call us now at 888-274-5006. You can call while you gather the court papers or sale notice.
We review the Effingham house as-is and give you a written cash offer and written terms before you commit. If you choose to move ahead, closing is through a title company, which reviews ownership, payoff figures, liens, and other details needed for closing.
When a postponement is needed, we use the agreement of sale to ask for one.
Illinois mortgage foreclosures go through court. The normal redemption deadline is before the foreclosure auction, but the deadline and payoff depend on the court case. Paying missed installments and paying the full foreclosure amount are different options.
Read the papers for your case and check the current dates. The Illinois law references include 735 ILCS 5/15-1602 through 15-1604 and 15-1507 and the current text of §15-1603.
A notice about delinquent property taxes is not the same notice as a mortgage foreclosure case. A property-tax sale has its own process and deadlines. Do not use the mortgage redemption or auction date to work out a tax-sale deadline; follow the date on the tax notice and contact the office named there or an attorney about that notice.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
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 tax-sale notice still has its own dates and requirements, so keep that process separate.
When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes.
No agent commissions when you sell to us. No fees. 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.
The Effingham County Circuit Clerk lists foreclosure among its civil case categories. Illinois Courts provides approved forms for asking the court to stay a mortgage-foreclosure sale.
Compare possible sale proceeds with your own assumptions using the Effingham home-sale net proceeds calculator → as a planning estimate, not a property-specific offer or payoff quote.
Read Effingham-area seller reviews and trust information → You can also Read our Google reviews.
You may still have time if a sale can close and pay the required debt before the applicable deadline. Illinois mortgage foreclosures go through court, and the normal redemption deadline is before the foreclosure auction. Your deadline and payoff depend on the court case; paying missed installments and paying the full foreclosure amount are different options. Call us as early as you can; the sooner we start, the more options you have.
When a postponement is needed, we use the agreement of sale to ask the court to postpone the sale so we can close.
No. A mortgage foreclosure and a property-tax sale are separate processes with separate notices and deadlines. Do not use a mortgage redemption or auction date to work out a tax-sale deadline; follow the date on the tax notice and contact the office named there or an attorney about that process.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
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 the Illinois state, county and city transfer taxes.
Call 888-274-5006 or send the property address and the notice you have.
Takes 2 minutes. No obligation.