Houghton Lake, MI · Roscommon County / Foreclosure
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.
Michigan mortgage foreclosure auctions are commonly called sheriff's sales. Before a scheduled sale, a sale may still be possible if the required payoff, title work, and closing can be completed in time. If the sale already happened, a redemption period may apply. In a foreclosure by advertisement, six months after the sale is the most common period, but shorter and longer periods apply; redemption requires the sale amount plus required interest and charges, not just missed payments.
USA Home Buyers buys houses as-is in the Houghton Lake area and across Roscommon County, Michigan. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call USA Home Buyers at 888-274-5006Tell us the property address and what date or notice you are facing.
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 review the house and the notice with you, then give you a written offer and written terms before you commit. If you choose to proceed, closing is through a title company. We work through title and payoff details and use the agreement to ask for a postponement; keep following the date on your current notice unless the office handling the sale confirms a change.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
A mortgage foreclosure is about a home loan. Michigan law addresses the public mortgage sale in MCL 600.3216 and sale adjournments in MCL 600.3220. A post-sale redemption period is different from the date of a scheduled sale. In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Under MCL 600.3240, redemption requires the sale amount plus required interest and charges. Have a title company or an attorney confirm the property's sale status, exact deadline, and amount before relying on a closing date.
Property-tax forfeiture and foreclosure follow a separate process, with different notices and deadlines. A mortgage sheriff-sale date or redemption period does not set a tax-foreclosure deadline. Follow the tax notice and use the Michigan Treasury property forfeiture and foreclosure guide for information about the tax process.
For mortgage-foreclosure stages, see the Michigan State Housing Development Authority's foreclosure guide. The actual notices, sale status, and deadline for your property control what is possible.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Ask your lender or servicer for a current payoff. If you want to proceed, the title company can review it with other liens and the written sale terms.
Call or use the form with the Houghton Lake property address, its condition, and any mortgage-sale or tax notice you have. You can call while you are still sorting out the paperwork.
We give you a written offer and written terms before you commit. You can review them before deciding whether to move forward.
If you choose to proceed, a title company reviews ownership, the current mortgage payoff, recorded liens, back taxes, and your share of current property taxes. The company also confirms which steps are needed for the property and its notices.
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.
When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. Mortgage payoffs, liens, back taxes, and your share of current property taxes are separate amounts.
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.
The County Treasurer is the local contact for delinquent-property-tax and tax-foreclosure information. The office is at 500 Lake Street, Roscommon, MI 48653; call 989-275-5823. Check the official page for current contact instructions and property-specific information.
Roscommon County Treasurer information →MSHDA explains the stages of mortgage foreclosure in Michigan. For a specific property's dates and amounts, check the current notice and confirm with the title company or an attorney.
Read MSHDA's stages of foreclosure guide →Use your own payoff and cost figures in the Houghton Lake calculator to compare possible sale proceeds. It is a planning estimate, not a property-specific offer or title-company settlement statement.
Estimate possible sale proceeds with the Houghton Lake calculator →A sale may still be possible if the required payoff, title work, and closing can be completed before the applicable deadline. 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. Keep following the date on your current notice unless the office handling the sale confirms a change.
In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just the missed payments. Have a title company or attorney confirm the sale status, exact deadline, and amount before relying on a closing date.
No. A mortgage foreclosure concerns a home loan; property-tax forfeiture and foreclosure follow a separate process with separate notices and deadlines. Do not use a mortgage sheriff-sale date or mortgage redemption period as a tax-foreclosure deadline. Follow the tax notice and contact the Roscommon County Treasurer for local delinquent-tax and tax-foreclosure information.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask your lender or servicer for a current payoff so the title company can review it with any other liens and the written sale terms. Any lender decision depends on the property and transaction details.
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. Your mortgage payoff and your share of current property taxes remain separate amounts.
Share the property address and the foreclosure or tax notice you have. We review the house as-is and give you a written offer and written terms before you commit. If you choose to proceed, a title company works through title, payoff, tax, and lien details toward closing. The current case status and applicable deadline determine whether there is time to complete a sale.
Call 888-274-5006 or tell us about the property and the notice you received. USA Home Buyers buys houses as-is in the Houghton Lake area and Roscommon County.
Tell us the address and what is happening with the property.