Florence market report · Foreclosure
Our agreement of sale will often get a foreclosure 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.
If the mortgage sale has not happened, you may still be able to sell before it if the payoff, title work, and closing can be completed in time. Read the date on your notice and confirm it with the lender or the person handling the sale; do not assume a signed agreement changes the date.
USA Home Buyers buys houses as-is in Florence and Lauderdale County, Alabama. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk through the sale notice and your options.
We'll give you a written cash offer within 24 hours.
Share the property address and the foreclosure-sale date shown on your notice.
How we help
Tell us the address, the condition of the house, and what the notice says about the mortgage sale. You do not need to repair, clean, or empty the house to ask about a sale.
Written offer and written terms before you commit; title-company closing.
If you choose to move ahead, the title company reviews the property record and works through the lender payoff and other amounts needed for closing. A current payoff and the actual sale date matter; the written offer does not change either one by itself.
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 Alabama's deed tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Know which notice you have
A mortgage with a power-of-sale provision lets the lender foreclose without a court case. Alabama generally requires notice of the sale to run once a week for three successive weeks in a newspaper in the county, or in an adjoining county if no newspaper is published there. Your notice and the sale contact are the place to confirm the date for your property.
A tax sale concerns unpaid property taxes, not enforcement of a mortgage. Its notices, deadlines, and redemption rules are separate from the mortgage process above. Use the date and instructions on the tax-sale notice and confirm them with the office named there. Do not use a mortgage-sale deadline to work out a tax-sale date.
For Lauderdale County property-tax account, collection, and record questions, contact the County Revenue Commissioner using the local information below.
If the sale already happened
After a mortgage foreclosure sale, Alabama gives certain people a limited right to buy the property back, called redemption. For residential property with a homestead exemption claimed in the year of sale, the usual period is 180 days for a mortgage signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period.
For qualifying homestead property, missing a required notice can change when the redemption clock starts, but it cannot extend redemption beyond one year after foreclosure. Redeeming means paying the sale price, interest, and lawful charges, which can include improvements, taxes, and insurance. If the purchaser also owns the mortgage debt, the remaining debt and interest can be due too.
A purchaser's written demand can require someone still in possession to leave within 10 days; staying can put redemption rights at risk. Redemption is not extra time to stay in the house. If this is your situation, get advice promptly from an Alabama attorney about the actual notice and dates.
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 the lender for a current payoff. The title company can compare it with the written offer and other amounts needed to close, while the sale notice sets the timing to verify.
What happens next
Share the property address and the sale date on your notice. Call or use the form; you can contact us while you are still checking your options.
We provide a written offer and written terms before you commit. Compare the offer, mortgage payoff, liens, and dates before deciding what works for you.
A title company reviews the record and closing figures, then coordinates the closing documents and payments. Timing depends on the actual title, payoff, and sale status.
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
The City of Florence is in Lauderdale County. If the property is outside Florence city limits or only has a Florence mailing address, confirm the parcel's county rather than relying on the mailing address alone.
Lauderdale County Revenue Commissioner
P.O. Box 794, Florence, AL 35631
Phone: (256) 760-5785
Lauderdale County Probate Office, 200 South Court Street, Florence, AL 35630
Probate Court: (256) 760-5804
Recording Department: (256) 760-5800
These are local contact routes. Ask the office which department handles your specific notice, record, or filing.
Questions and contact
Use the Florence home-sale net-proceeds calculator to compare possible proceeds. It is a planning estimate, not an offer for your property. Call 888-274-5006 to discuss the notice and next steps.
Often, yes, if the sale can close before the foreclosure sale and the required payoff and title work can be completed. Our agreement of sale will often get a foreclosure 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. Check the date in your notice and confirm any change with the lender or the person handling the sale.
No. A mortgage foreclosure enforces a mortgage; a tax sale concerns unpaid property taxes. They are different processes with different notices and deadlines. Use the date and instructions on the notice you received, and contact the office named there to confirm them.
Alabama gives certain people a limited right to buy the property back after a mortgage foreclosure sale. For residential property with a homestead exemption claimed in the sale year, the usual redemption period is 180 days for a mortgage signed on or after January 1, 2016. Other property and older mortgages generally have a one-year period. Redemption requires payment of the sale price, interest, and lawful charges; it is not extra time to stay in the house.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender for a current payoff so the amount can be compared with the written offer and other closing items.
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 Alabama's deed tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Testimonials are real, from our transactions, verified and approved by our attorneys. Any reviews shown keep their actual location labels.
We'll give you a written cash offer within 24 hours.
Tell us about the Florence property and the notice you received.