Ellsworth, Maine · Foreclosure
Can I Sell My Ellsworth House in Foreclosure?
If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends.
Yes, a sale may still be possible before the mortgage foreclosure is complete if the required payoff, title work, and closing can be handled in time. Maine foreclosures go through court. After judgment, the homeowner usually has a 90-day redemption period from the judgment to pay the amount the court says is owed. A sale that closes before that period ends may pay it. The public sale comes later, after the redemption period.
USA Home Buyers buys houses in Ellsworth and Hancock County, Maine, as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You receive written offer terms before you commit, and closing is through a title company.
Call 888-274-5006 — We Answer 24/7How we help you work toward closing
Call or use the form to tell us about the property and where the case stands. We review the house as-is and give you written offer terms before you commit. If you decide to move forward, a title company checks ownership, obtains current mortgage and lien payoffs, and prepares the closing figures. We work with you and the title company toward closing before the redemption deadline; signing an offer by itself does not change a court deadline.
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.
Maine mortgage foreclosure deadlines
For a home loan on the house you live in, the lender must first give written notice and at least 35 days to catch up. If you are sued and live in a one-to-four-unit home, you can ask for mediation through the court’s Foreclosure Diversion Program within 20 days of receiving the court papers. If mediation is scheduled, the court cannot enter a final judgment until the mediator’s report is complete.
If the court rules for the lender, you usually have 90 days from the judgment to pay the amount the court says is owed and keep the house. That time is the redemption period. When it ends, the right to pay off the mortgage ends; the lender then advertises a public sale, held 30 to 45 days after the first advertisement. A possible sale to us needs to close in time to address the mortgage payoff before the redemption period ends.
Maine law: 14 M.R.S. § 6111 (notice to cure), § 6321-A (foreclosure mediation), § 6322 (judgment and redemption), and § 6323 (public sale).
A mortgage foreclosure and a city tax matter are different
A mortgage foreclosure is the lender’s court case. A property-tax notice follows a separate process, with its own office and dates. Do not use a mortgage judgment or redemption date as the deadline for a city tax matter.
If your notice concerns City of Ellsworth taxes, contact the City’s Tax Collection office or call City Hall at (207) 667-2563. Follow the dates on the notice you received.
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.
The title company can confirm the current payoff and any recorded liens as part of the closing work. 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 real estate transfer tax. Mortgage payoffs, liens, back taxes, and your share of current property taxes are separate settlement items.
What happens next
- 1. Contact us. Call or send the property address and, if the court has entered judgment, its date.
- 2. Review written terms. We review the house and the details you share, then give you written offer terms before you commit.
- 3. Check title and payoff. The title company reviews ownership, current payoff information, liens, and the requirements for closing.
- 4. Work toward closing. If title, payoff, and timing allow the sale to proceed, we work with you and the title company toward closing before the applicable deadline.
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 foreclosure and tax help
The Maine Judicial Branch’s Foreclosure Diversion Program provides mediation for eligible homeowners facing a mortgage foreclosure. The court papers and program rules determine whether it applies and when to request it.
For a City of Ellsworth property-tax notice, the City’s Tax Collection page lists the local route; City Hall’s main number is (207) 667-2563.
Estimate possible sale proceeds with the Ellsworth home-sale calculator → It is a planning estimate, not a property-specific offer.
Questions about foreclosure in Ellsworth, Maine
Can I sell my Ellsworth house before a mortgage foreclosure sale?
A sale may still be possible if it can close and address the required payoff before the applicable deadline. In Maine, the redemption period after judgment is usually 90 days from the judgment; the court papers control the dates for your case.
Can I ask for foreclosure mediation in Maine?
If you live in a one-to-four-unit home and have been served with the foreclosure case, you can ask for mediation through Maine’s Foreclosure Diversion Program within 20 days of receiving the court papers. If mediation is scheduled, the court cannot enter a final judgment until the mediator’s report is complete.
Is a city property-tax matter the same as a mortgage foreclosure?
No. A lender’s mortgage foreclosure is a court case; a city property-tax notice has a separate process and its own dates. For a City of Ellsworth tax notice, use the City’s Tax Collection page or call City Hall at (207) 667-2563 rather than relying on a mortgage-case deadline.
Talk with us about your Ellsworth house
Call 888-274-5006 any time; we answer 24/7. Or use the form to ask for a cash offer.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.