Huntington WV › Foreclosure
Can I Sell My Huntington House Before Foreclosure?
Our agreement of sale will often get a trustee'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.
Yes. You may still be able to sell before the trustee’s sale if the loan can be paid off in time. USA Home Buyers buys houses as-is in any condition in Huntington and Cabell and Wayne counties. You don’t need to repair or clean out the house to sell to us. Call or send the property details to ask for a written cash offer.
Call 888-274-5006We give written cash offers in 24 hours.
Tell us about the property and the foreclosure notice you received.
We'll give you a written cash offer within 24 hours.
How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We give you a written offer and written terms before you commit; closing is through a title company. If you choose to move ahead, we work with the title company on the payoff and title details while using our agreement to ask for a trustee’s-sale postponement.
Our agreement of sale will often get a trustee'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.
When you sell to us, we pay the closing costs, including the West Virginia real estate transfer excise tax and the additional county excise tax. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
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 separate tax-sale notice has its own date and process; selling to us does not change that date.
Mortgage trustee’s sale or property-tax sale?
This page covers a lender’s mortgage foreclosure under a deed of trust. The trustee named in the deed can sell the house at public auction after default without filing a court case. A sale for delinquent property taxes is separate, with its own notice and dates. Check which process is named in your paperwork; do not apply mortgage trustee-sale timing to a tax sale.
For a deed-of-trust sale, the trustee generally must publish notice in the county once a week for two weeks in a row. A narrow exception applies to certain older deeds of trust. The trustee must also send notice to the borrower by certified mail, return receipt requested; the notice counts once mailed to the required address, even if it comes back. The auction date is the deadline for completing a sale and paying off the loan. Have the title company or an attorney confirm the current sale date and amount needed.
At the auction, sale proceeds pay the trustee’s expenses and then the secured debts; any surplus goes to the former owner. The notice and title records determine what applies to a particular property.
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 can review the current payoff and title details with you. Any lender decision is specific to the lender, property, and case.
What happens next
- Call 888-274-5006 or send the property details through the form. Include any sale date shown on your notice.
- We give you a written cash offer and written terms before you commit.
- If you want to proceed, the title company reviews title and payoff details as the parties work toward closing.
- We use the agreement to ask for a postponement. Confirm any change to the sale date with the trustee handling it; signing alone does not change the date.
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.
Huntington and county property records
Huntington is the county seat of Cabell County and also extends into Wayne County. The parcel’s county matters, and a Huntington mailing address alone does not establish it. The City’s Planning & Zoning page links to a City Boundary Lookup; the county assessors handle real-estate assessment and mapping inquiries. These offices are not a trustee-sale schedule, so confirm a mortgage sale date with the trustee named in your notice.
- City of Huntington Planning & Zoning and boundary lookup
- Cabell County Assessor — real estate: 304-526-9899; mapping: 304-526-8402
- Wayne County Assessor — real estate: 304-272-6349
For deed and lien record inquiries, use the Cabell County Clerk Record Room (304-526-9820) or the Wayne County Clerk (304-272-6362). Confirm the correct county for the actual parcel before relying on county records.
Compare the numbers
Use your own sale and payoff assumptions to estimate possible net proceeds. The calculator is a planning estimate, not a property-specific offer.
Open the Huntington home-sale net-proceeds calculator →Questions about selling before foreclosure in Huntington, WV
Can I sell my Huntington house before a trustee’s sale?
A sale may still be possible if the loan can be paid off before the sale. Our agreement of sale will often get a trustee'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. Have the title company or an attorney confirm the current sale date and amount needed.
How does a West Virginia deed-of-trust foreclosure work?
When a loan is secured by a deed of trust, the trustee named in it can sell the house at public auction after a default, without a court case. The trustee generally publishes notice in the county once a week for two weeks in a row, with a narrow exception for certain older deeds of trust. The actual notice and sale date matter; ask the title company or an attorney to review them.
Is a tax sale the same as a mortgage foreclosure sale?
No. A property-tax sale and a lender’s mortgage foreclosure are separate processes with separate notices and dates. Follow the process named in your notice; a trustee-sale postponement does not change a tax-sale date.
What if my mortgage payoff is more than my Huntington house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A lender’s decision about any payoff is specific to that lender, property, and case.
Do I have to pay back taxes or liens 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. This does not change a separate tax-sale notice or its dates.
Which county handles records for a Huntington property?
Huntington is the county seat of Cabell County and extends into Wayne County. A Huntington mailing address does not establish the parcel’s county. Check the actual parcel with the appropriate county assessor and records office.
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