Hillsville, VA › Foreclosure

Can I Sell My Hillsville House Before Foreclosure?

To sell before foreclosure, the sale needs to close and pay off the loan before the trustee's sale. Virginia home foreclosures usually proceed as trustee's sales under a deed of trust: a trustee auctions the home without a court case. USA Home Buyers buys houses in the Town of Hillsville and Carroll County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

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We give written cash offers in 24 hours.

Share the property address and what you know about the sale notice.

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How we help work toward closing

You get a written offer and written terms before you commit, and we close through a title company. We work with the title company on title and the current loan payoff.

A postponed trustee's sale must be advertised again. Until you have a new date in writing, plan around the date on your notice.

Which sale is named in your notice?

Mortgage foreclosure

Virginia home foreclosures usually proceed as a trustee's sale under a deed of trust, not a court case. For an owner-occupied home, written notice of sale generally must go to the owner at least 60 days ahead; for other property, the period is 14 days. The sale must be advertised in a local newspaper. A postponed sale must be advertised again. Until you have a new date in writing, plan around the date on your notice.

Read the Virginia rules for notice of sale, advertising, and postponement and sale procedure.

Property-tax sale

A sale over unpaid property taxes is separate from a mortgage trustee's sale and has its own notices and deadlines. A postponement request for the mortgage sale does not change a property-tax-sale deadline.

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

Talk with us. Call or use the form with the Hillsville address and the sale date you have, if one is listed.
Review the written terms. We give you the offer and terms before you decide whether to move forward.
Work through title and payoff. If you choose to proceed, the title company checks title and the current loan payoff.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.
Confirm the sale date and close. We work toward closing under the written terms. Until you have a new trustee-sale date in writing, plan around the date on your notice.

When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee.

Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.

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.

Hillsville and Carroll County tax contacts

The Town of Hillsville and Carroll County handle tax billing separately. For Town taxes, use the Town's online billing; for County taxes, contact the Carroll County Treasurer.

Questions and contact

Compare your own assumptions with the Hillsville home-sale net proceeds calculator. It is a planning estimate, not a property-specific offer.

Questions about selling before foreclosure in Hillsville, VA

Can I sell my Hillsville house before a trustee's sale?

Yes, if the sale closes and pays off the loan before the trustee's sale.

How much notice comes before a Virginia trustee sale?

For an owner-occupied home, written notice of sale generally must go to the owner at least 60 days before the sale; for other property, the period is 14 days. The sale must also be advertised in a local newspaper. A postponed sale must be advertised again. Until you have a new date in writing, plan around the date on your notice.

Is a mortgage foreclosure the same as a property-tax sale?

No. A mortgage foreclosure under a deed of trust is separate from a sale over unpaid property taxes, and each has its own notices and deadlines. A postponement request for a mortgage trustee sale does not change a property-tax-sale deadline.

What if the payoff is more than my Hillsville 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 have to pay back taxes or liens before closing?

You do not need to pay back taxes or liens upfront when you sell to us; we handle those payoffs through closing. A separate property-tax-sale notice has its own deadline.

What our sellers say

BBB A rating Read our Google reviews

“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”

Alex Pproperty taxes

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”

Angela Rmoving

You can also visit the Hillsville seller reviews page.

Call USA Home Buyers at 888-274-5006 or use the form to talk through the property and notice you received.

We give written cash offers in 24 hours.

Share the address and the question you want to sort out.