Farmington, ME / Foreclosure
Can I Sell My Farmington 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.
Often, yes: you may be able to sell while a Maine mortgage-foreclosure case is pending. Once there is a judgment, the key deadline is usually the end of the redemption period—not the later public sale. The payoff, title work, and time needed to close all matter.
USA Home Buyers buys houses in the Town of Farmington and Franklin County, Maine. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006. We answer 24/7.
Get Cash OfferHow we help with a Farmington foreclosure sale
We look at the house and your timing, then give you the written offer and terms before you decide. If you want to move forward, we work with a title company to check the ownership and title, request the current mortgage payoff, and coordinate the closing. If a sale closes, the mortgage payoff and other amounts owed on the property are handled from the proceeds as applicable.
When you sell to us, we pay the closing costs, including the real estate transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Maine mortgage-foreclosure deadlines
Maine mortgage foreclosures go through court. The dates below describe the mortgage process; the notice and court record for a particular property determine what stage it has reached.
- Before foreclosure action: On a home loan for the house you live in, the lender must first give written notice and at least 35 days to catch up.
- After you are sued: If you live in a 1–4 unit home, you can ask for mediation through the court’s Foreclosure Diversion Program within 20 days of getting the court papers. If mediation is scheduled, no final judgment can issue until the mediator’s report is done.
- After judgment: The redemption period is usually 90 days from the judgment. During that time, paying what the court says is owed can redeem the property; a sale that closes in time may pay that amount.
- After redemption ends: Your right to pay off the loan ends. The lender then advertises a public sale, held 30 to 45 days after the first advertisement.
Sources: 14 M.R.S. § 6111, notice and right to cure · § 6321-A, foreclosure mediation · § 6322, judgment and redemption · § 6323, public sale
Mortgage foreclosure or a property-tax matter?
The deadlines above are for a mortgage foreclosure. If your notice concerns unpaid Farmington property taxes, it is a different municipal process; do not use the mortgage dates to work out a tax deadline. The Town of Farmington Assessor can answer municipal assessment and property-record questions. We can also talk with you about a sale while you confirm the date on the Town notice.
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. We can request the payoff information and discuss whether the lender would consider a different amount; no reduction is guaranteed.
What happens next
- Tell us the Farmington property address and what is happening with the mortgage or court case.
- We review the house and give you written terms before you commit.
- If you choose to proceed, we work with a title company to check title and coordinate the lender payoff and closing details.
- If the sale is ready to close, the title company completes the closing and applies the sale proceeds to the amounts due as applicable.
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 help and property records
If you live in a 1–4 unit home and have been served with foreclosure papers, the Maine Judicial Branch explains how to request help through its Foreclosure Diversion Program. Maine Foreclosure Diversion Program →
For Franklin County recorded land documents, contact the Registry of Deeds at 140 Main Street, Suite 5, Farmington, ME 04938, (207) 778-5889. Franklin County Registry of Deeds →
Estimate what a sale might leave after costs with the Farmington home-sale calculator → The result is an estimate, not a property-specific offer. For more customer feedback, Read our Google reviews.
Farmington foreclosure questions
Can I sell my Farmington house after a foreclosure judgment?
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. A sale still depends on the payoff, title work, and whether closing can happen in time.
What deadlines apply to a Maine mortgage foreclosure?
For a home loan on the house you live in, the lender must give written notice and at least 35 days to catch up. If you are sued and live in a 1–4 unit home, you can ask for Foreclosure Diversion Program mediation within 20 days after receiving the court papers. After judgment, the redemption period is usually 90 days; the public sale follows after that period, 30 to 45 days after the first advertisement.
Is a municipal property-tax matter the same as mortgage foreclosure?
No. This page describes Maine mortgage-foreclosure steps; those dates do not tell you the deadline for a municipal property-tax matter. Farmington’s Assessor handles municipal assessment and property-record questions. Check the Town notice for the applicable tax process and date.
What if the lender 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. We can request the payoff information and discuss whether the lender would consider a different amount; no reduction is guaranteed.
Talk with us about the house
Call 888-274-5006 or use the form above. We answer 24/7.