How we help you work toward closing
We review the house as-is and the deadline you are facing, then put proposed offer terms in writing before you commit. If you choose to move forward, a title company works through ownership, payoff, and closing details with the appropriate parties.
Our agreement of sale will often get a sheriff'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.
We use the agreement to ask for the postponement; signing by itself does not change the date. Check the current sale status with the court or sheriff listed on your notice.
Mortgage foreclosure and tax sale have different deadlines
A mortgage foreclosure is a court case about the home loan. A property-tax sale is a separate matter with its own notices and deadlines. The Indiana mortgage redemption rule above is not a tax-sale deadline, and a request to postpone a mortgage sheriff’s sale does not change a tax-sale date. Follow the notice for the matter you actually have.
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. This does not change a tax-sale notice or date.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts. A title company needs current figures for the specific property and closing.
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. Title work can identify the figures and release details that need to be addressed at closing; any lender decision depends on the property and transaction.
What happens next
- Call or send the Hammond property address and the notice, case number, and sale date you have.
- We review the house as-is and give you written offer terms before you decide whether to proceed.
- A title company checks ownership and works with the lender or other parties to confirm payoff and title details.
- We work toward a title-company closing after the required payoff and case steps are addressed. Confirm any changed sheriff’s-sale date with the court or sheriff handling it.
When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
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.
Lake County offices and your sale notice
Hammond is in Lake County. County-level orientation does not identify the court or office handling a particular property or case; use your court papers and notice to confirm where to follow up.
- The Lake County Clerk lists a Hammond office at 232 Russell Street. Confirm which office handles a particular filing.
- For county property-tax questions, use the Lake County Treasurer; its county page also lists a Hammond office. Follow the current tax notice for its status and deadline.
- For a mortgage sheriff’s-sale date, check the current notice and confirm the status with the court or sheriff contact listed there.
Estimate possible sale proceeds with the Hammond calculator → It is a planning estimate, not a property-specific offer or settlement statement.
Questions about selling before foreclosure in Hammond, IN
Can I sell my Hammond house before a sheriff’s sale?
Possibly. Indiana mortgage foreclosures go through court. Before the sheriff’s sale, an owner can redeem by paying the full judgment, interest, and costs through the clerk or sheriff, depending on the stage of the case. Paying only overdue installments is not the same. A sale needs to close and resolve the debt in time, so check the actual payoff and sale date promptly.
Does signing an agreement automatically postpone a sheriff’s sale?
Our agreement of sale will often get a sheriff'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. Check any changed date with the court or sheriff handling the sale; do not assume the date changed just because an agreement was signed.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a court case about the home loan. A property-tax sale is a separate matter with its own notice and deadlines. The mortgage redemption rule and a request to postpone a mortgage sheriff’s sale do not change a tax-sale date; follow the notice for the matter you actually have.
What if the mortgage payoff is more than my Hammond house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The lender’s current payoff and the property’s title details need to be checked for the sale.
Do I have to repair or clean out the house before asking about a sale?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what you know about the property and its condition when you contact us.
What happens after I contact USA Home Buyers?
Tell us the property address and what your notice says. We review the house as-is, give you written offer terms before you commit, and work through payoff and title details with a title company. The actual case status, sale date, and required steps determine whether a sale can close in time.
What sellers say about USA Home Buyers
Talk through the foreclosure deadline
Call 888-274-5006 or send the Hammond property address and the notice you have.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us the address and what your latest notice says.