How we help
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
If a sheriff's sale is scheduled, we use our agreement of sale to ask for a postponement while we work toward closing. Signing alone does not postpone the sale; check that the date has actually changed.
Pennsylvania mortgage foreclosure and sheriff-sale steps
For certain delinquent mortgages on a Pennsylvania one- or two-family home that is the borrower's principal residence, the lender must send an Act 91 notice before filing for foreclosure. If you receive one and want to seek HEMAP assistance, meet a designated housing counselor within 33 days; the counselor then has 30 days from that meeting to submit an application to the Pennsylvania Housing Finance Agency (PHFA). HEMAP is a state mortgage-assistance loan program for qualifying mortgage situations, not property-tax sales. Selling is another option, and you can call us when the letter arrives. Pennsylvania Housing Finance Agency (PHFA) information (Act 91; PHFA HEMAP guidance).
At the sheriff-sale stage, signing an agreement of sale does not automatically postpone the sale. We use the agreement to ask for a postponement under Pennsylvania Rule of Civil Procedure 3121. Confirm promptly with the plaintiff or sheriff that the sale date has actually changed.
If property taxes are past due
A Pennsylvania property-tax sale is a separate process from mortgage foreclosure. The county can put a property up for tax sale, and the county's notice gives the sale date. If a sale closes before that date, unpaid property taxes may be paid from the proceeds if enough remains after other liens and closing costs. A sale agreement by itself does not resolve the tax claim. Call us as soon as a notice arrives; timing matters. Pennsylvania Real Estate Tax Sale Law, Sections 601–603.
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.
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.
What happens next
- Contact us with the property address and the lender, court, or tax notices you have. You can start before every detail is settled.
- We talk through what is happening with the house and the notices you have.
- Written offer and written terms before you commit; title-company closing.
- If you want to move ahead, the title company—the company handling the closing— reviews ownership, the mortgage payoff (the amount the lender says is due), and other closing details with you.
- The title company works through the closing details, including the payoffs, before settlement.
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 in Dauphin County
For mortgage-assistance information, see the Pennsylvania Housing Finance Agency (PHFA). Harrisburg is in Dauphin County; these are official county office pages:
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us the property address and what is happening with the house.
Foreclosure questions from Harrisburg homeowners
Can I call before I know the payoff or sale date?
Yes. Call or use the form with the property address and any notice you have. You do not need to have every payoff or court detail before contacting us.
What papers are useful when I ask about a sale?
Keep the latest lender or court notice, mortgage statement, payoff information, and any property-tax notice nearby. Share what you have; you can contact us before collecting every document.
What can the Harrisburg net-proceeds calculator help me organize?
Use it to organize the property information, payoff details, liens, and known costs you want to compare.
Related Harrisburg resources
Property liens and back taxes · Harrisburg seller FAQs · Sell a house in Harrisburg