Fairmont, WV · Marion County foreclosure

Can I Sell My Fairmont House Before Foreclosure?

Our agreement of sale will often get a trustee's 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.

Yes. You may still be able to sell before the trustee’s auction if there is time to complete the sale and pay off the loan. Have the title company or an attorney confirm the current sale date and the amount needed.

USA Home Buyers buys houses as-is in Fairmont and Marion County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call 888-274-5006

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

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

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How we work toward closing

Tell us the Fairmont property address and what notice you received. We review the house as-is and provide a written offer and written terms before you commit. If you choose to sell to us, closing is through a title company.

The title company checks the title and current payoff information. The loan still needs to be paid by the trustee’s sale date unless the trustee confirms a change; a postponement does not change the state’s notice or payoff requirements.

Which sale is on your notice?

Mortgage foreclosure under a deed of trust

In West Virginia, after a default, the trustee named in the deed of trust can sell the house at public auction without a court case. The trustee generally publishes the sale notice in the county once a week for two weeks in a row, with a narrow exception for an older deed of trust. The trustee also mails notice to the borrower by certified mail, return receipt requested; the notice counts once mailed to the required address even if it comes back.

Treat the auction date as the deadline to finish a sale and pay off the loan. Have the title company or an attorney confirm the current date and amount needed. Sale proceeds pay the trustee’s expenses first, then secured debts; any surplus goes to the former owner.

W. Va. Code §38-1-3 — sale under trust deed §38-1-4 — notice of sale §59-3-2 — legal advertisement §38-1-7 — sale proceeds Chapter 38, Article 1 — deeds of trust

Delinquent property-tax sale

A tax sale is separate from a mortgage trustee’s sale. It has its own notice and deadline, so do not use the deed-of-trust publication, mailing, or auction timeline for a tax-sale notice. Follow the date and instructions on the notice and contact the office identified there.

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 or servicer for a current written payoff statement. The title company can review it with the written sale terms and the title information for the property.

What happens next

1. Talk through the notice. Call or send the property address and tell us what notice you received. You can contact us even if you do not have every payoff or title detail yet.
2. Review written terms. We give you a written offer and written terms before you decide whether to commit.
3. Check title and payoff. If you choose to proceed, the title company reviews the title and current loan payoff information.
4. Work toward closing. The sale and payoff need to be completed by the current trustee’s sale date unless the trustee confirms a change.

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.

Marion County starting points

Use the trustee’s notice for the mortgage sale date and ask the title company or an attorney to confirm it and the payoff amount. These official county and court links are starting points for records and court information:

Compare possible sale proceeds

Compare a written offer with an estimate of what you may net from listing, using your own assumptions. The calculator is for planning; it is not a property-specific offer or payoff figure.

Open the Fairmont home-sale net-proceeds calculator →

Questions About Foreclosure in Fairmont, WV

Can I sell my Fairmont house before a trustee’s sale?

Yes, a sale may still be possible if the loan can be paid off before the auction. Have the title company or an attorney confirm the current sale date and amount needed.

How do I know the current trustee’s sale date?

Check the notice from the trustee and ask the title company or an attorney to confirm the current date. Treat the auction date as the deadline for completing a sale and paying off the loan.

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

No. A tax sale and a mortgage trustee’s sale are separate processes with separate notices and deadlines. Follow the date and instructions on the tax-sale notice; the deed-of-trust mortgage timeline on this page is not the tax-sale schedule.

What if my loan payoff is more than the house is worth?

Ask your lender or servicer for a current payoff statement. The title company can review the payoff and title information with the written sale terms.

More Fairmont information

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

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

Call 888-274-5006 to talk about the notice, payoff, or timing.