Hermitage, PA · Mercer County
Can I Sell My Hermitage House Before a Sheriff's Sale?
Whether you have an Act 91 letter, a foreclosure case, or a sheriff's sale date, call us and we'll talk through a sale. We buy houses as-is in Hermitage and Mercer County, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Timing matters when a sale date is close.
Call 888-274-5006 nowHow we work toward closing
Tell us what is happening and when a sheriff's sale is scheduled, if there is a date. We review the house and give you a written cash offer.
You get a written offer and written terms before you commit, and we close through a title company. If you want to sell, we work with the title company to get the mortgage payoff and review liens, tax claims, and closing details.
No agent commissions when you sell to us. No fees. When you sell to us, we pay the closing costs. When you sell to us, we pay the transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
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.
Mortgage foreclosure and tax sale are separate processes
Mortgage foreclosure
A mortgage foreclosure is a court case that can lead to a sheriff's sale. 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 HEMAP assistance, meet a designated housing counselor within 33 days; the counselor then has 30 days from that meeting to submit an application to PHFA. HEMAP is a state mortgage-assistance loan program. Selling is another option, and you can call us when the letter arrives. (Act 91; PHFA HEMAP guidance.)
Mercer County tax sale
Unpaid property taxes can lead to a separate county tax sale, and the county's notice gives the date. If a sale closes before that date, delinquent taxes may be paid from the proceeds if enough money remains after other liens and closing costs. A sale agreement alone does not resolve the tax claim. Call us as soon as a notice arrives; timing matters. (Pennsylvania Real Estate Tax Sale Law, §§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.
What happens next
Call us or use the form. We'll talk through the house, the notice, and the payoff. If you choose to sell, we work with the title company to get payoff information and prepare for closing.
Close as fast as 7 days when title and closing details allow.
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.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Estimate possible sale proceeds with the Hermitage home-sale calculator → for planning. Payoffs, liens, title findings, and written terms affect the amount available at closing.
Local help in Mercer County
Mercer County's Tax Claim Bureau handles delinquent real-estate-tax collection and tax-sale information. Its office is at 125 S. Diamond Street, Suite 3, Mercer, PA 16137.
Mercer County Tax Claim Bureau and tax-sale information →
The Pennsylvania Courts of Common Pleas directory lists county court contact information for mortgage cases. See the Pennsylvania Courts of Common Pleas directory for contact details.
Hermitage foreclosure questions
Can I sell my Hermitage house before a sheriff's sale?
If you have a sale date, call us and we'll talk through the notice and timing.
Is a mortgage foreclosure the same as a Mercer County tax sale?
No. A mortgage foreclosure is a court case that can lead to a sheriff's sale. Unpaid property taxes can lead to a separate Mercer County tax sale, and the county's notice gives that sale date. A sale agreement alone does not resolve a tax claim.
What should I do with a Pennsylvania Act 91 notice?
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 an Act 91 notice and want HEMAP assistance, meet a designated housing counselor within 33 days; the counselor then has 30 days from that meeting to submit an application to PHFA. HEMAP is a state mortgage-assistance loan program. Selling is another option. Call us when the letter arrives. (Act 91; PHFA HEMAP guidance.)
What if my mortgage 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.
Do I need to pay back taxes before selling to you?
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. A Mercer County tax-sale notice has its own date; call us as soon as one arrives.
What our sellers say
“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.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
Questions about your next step?
Call 888-274-5006 or use the form below. We can talk through the notice, payoff, and timing.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.