Hays, KS / Foreclosure
Can I Sell My Hays House in Foreclosure?
If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it. Before the sheriff’s sale, there may be time to sell. If it has already happened, Kansas law may give you time to redeem the house. Send us the notice, and we’ll look at the sale stage and payoff with you.
USA Home Buyers buys houses in Hays and Ellis County, Kansas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 anytime; we answer 24/7.
Call 888-274-5006How we help with a Hays foreclosure sale
We review the house, your foreclosure notice, and the payoff with you. You get a written offer and written terms before you commit, and we close through a title company.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. When you sell to us, we pay the closing costs. No fees. No agent commissions when you sell to us. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from those closing costs.
Close as fast as 7 days when title and closing details allow.
Kansas mortgage foreclosure and redemption
Kansas mortgage foreclosures go through district court. After the lender wins a judgment, the house is sold at a sheriff’s sale, usually at the county courthouse, after notice is published once a week for three weeks. The court then confirms the sale. See K.S.A. 60-2414 for sale confirmation.
After confirmation, you can generally redeem the house within 12 months. The period can be three months if default occurred before one-third of the original senior debt was paid; the court gives 12 months if all outstanding mortgages and liens total less than one-third of the property’s market value. A court may add three months if you involuntarily lose your main income after the sale and before the three-month period ends. Abandonment can shorten or end redemption, and you can generally stay in the home during the applicable period. The governing provisions include K.S.A. 60-2410 and K.S.A. 60-2415.
If you’re not sure which period applies, call us — we’ll look at the notice with you.
Mortgage foreclosure or property-tax notice?
A mortgage foreclosure concerns a lender’s loan; a county tax sale involves unpaid property taxes and follows its own process and dates. If your notice is about taxes rather than a mortgage, call us and we’ll sort out which sale you’re facing.
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 review the payoff with you and work with the title company on the numbers as we move toward closing.
What happens next
- Call us or send the Hays property address. If you have a foreclosure notice, we’ll look at it with you.
- We review the house and payoff, then give you a written offer and written terms before you commit.
- If you choose to sell, we work with the title company on title and payoff details and keep moving toward closing.
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.
Kansas foreclosure help
For a plain-language overview of Kansas foreclosure, read the Kansas Legal Services foreclosure overview (July 25, 2025).
Compare possible sale proceeds
Compare possible sale proceeds with the Hays calculator.
Estimate possible sale proceeds with the Hays calculator →What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”
Hays KS foreclosure questions
Can I sell my Hays house before a sheriff’s sale?
A sale may still be possible before the sheriff’s sale. If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it. Call us with the date on your notice, and we’ll look at the house and payoff with you.
What happens after a Kansas mortgage foreclosure sheriff’s sale?
After the court confirms the sale, you generally have 12 months to redeem the house. The period can be three months if default happened before one-third of the original senior debt was paid; the court allows 12 months if all outstanding mortgages and liens total less than one-third of the property’s market value. A court may add three months if you involuntarily lose your main income after the sale and before the three-month period ends. Abandonment can shorten or end redemption. You can generally stay in the home during the applicable period.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure concerns a lender’s loan; a county tax sale involves unpaid property taxes and follows its own process and dates. If your notice is about taxes rather than a mortgage, call us and we’ll sort out which sale you’re facing.
What if my payoff is more than my Hays 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 review the payoff with you as we work toward closing.
What happens after I contact USA Home Buyers?
We review the house, notice, and payoff with you. You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.
Talk through the foreclosure deadline
Call 888-274-5006 or send the Hays property address. If you have a foreclosure notice, we’ll look at it with you.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.