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.
When you sell to us, we pay the closing costs, including Maryland's state transfer tax, recordation tax and any applicable county transfer tax.
No agent commissions when you sell to us. No fees.
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.
We work with the title company on the mortgage payoff, other claims, and closing details.
Mortgage foreclosure and tax sales have different dates
Maryland mortgage foreclosure can proceed under a power of sale or assent to decree in the loan papers. An individual acting for the lender conducts the sale, and the circuit court must ratify it before it is final.
The lender must mail a notice of intent to foreclose at least 45 days before filing and cannot file until 90 days after default. An owner-occupant can generally request foreclosure mediation within 25 days after being served with the lender's final loss-mitigation affidavit. You can catch up the loan through one business day before the sale. After the sale, you have 30 days after notice of the report of sale to file exceptions.
If you live in the home and are at least 60 days behind, Maryland law lets you cancel a sale contract within five days after signing. A deed or other document affecting title cannot be recorded during those five days.
A Carroll County tax sale is separate from a mortgage foreclosure. It concerns delinquent property taxes and follows its own notice and sale date. Call us with the notice; we'll sort out which timeline applies.
Maryland notice, filing, mediation, and cure rules · Foreclosure sale and court ratification · Five-day contract cancellation rule · Maryland mortgage foreclosure overview
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. We'll talk through the house, notice, sale date, and payoff with you.
You get a written offer and written terms before you commit, and we close through a title company.
If you choose to move forward, we work with the title company to review title, request payoff information, and coordinate closing.
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.
Carroll County tax-sale information
Carroll County Collections handles real-property tax collection and local tax-sale information. Use the County's page for tax-account and tax-sale questions. For mortgage foreclosure process guidance, see the Maryland Office of Financial Regulation overview.
Compare possible sale proceeds
Compare what might remain after selling costs and your mortgage payoff with the Eldersburg home-sale net-proceeds calculator →
Questions and contact
Call 888-274-5006 with questions about the notice, payoff, or sale timing.
Questions about selling before foreclosure in Eldersburg, MD
Can I sell my Eldersburg house before a foreclosure sale?
Often, yes, if the loan can be paid off at closing before the sale. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Is a Carroll County tax sale the same as mortgage foreclosure?
No. Mortgage foreclosure concerns the home loan. A Carroll County tax sale is a separate process for delinquent property taxes, with its own notice and sale date. The County Collections Office handles real-property tax collection and local tax-sale information.
What if the 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.
Can I cancel a sale contract after signing if my house is in foreclosure?
If you live in the home and are at least 60 days behind, Maryland law lets you cancel a sale contract within five days after signing. A deed or other document affecting title cannot be recorded during those five days.
How quickly could a sale close?
Close as fast as 7 days when title and closing details allow.
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.