How we help with a foreclosure sale
Our agreement of sale will often get a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
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.
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from our closing costs. We work with the title company on the payoff and other amounts involved in the sale.
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 New York State real estate transfer tax and any applicable local real estate transfer taxes. No agent commissions when you sell to us. No fees.
Mortgage foreclosure and property-tax notices have different deadlines
A New York mortgage foreclosure goes through court, and a referee conducts the foreclosure sale. To stop it by paying the lender, you must pay the full amount owed, including applicable interest, fees, and costs. New York Courts explains foreclosure judgments, payoff, and sale timing.
If you live in the house and are in foreclosure or two or more months behind, New York's Home Equity Theft Prevention Act gives you 14 business days to cancel a sale to an investor. The time for a mortgage case and the time in a property-tax notice are separate.
A property-tax sale is separate from a mortgage foreclosure and has its own notice and deadline. The Town of Irondequoit Receiver of Taxes handles local tax-bill and collection questions. Call the Tax Office at 585-336-6050 or read the Town's tax information.
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 will talk through the house and the notice or sale date.
- You get a written offer and written terms before you commit, and we close through a title company.
- If you choose to move forward, we work with the title company on title, mortgage payoff, and other closing details.
- 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.
Local foreclosure and tax information
Use the date in your court papers for a mortgage foreclosure. The New York Courts guide explains the court process and what happens around the referee's sale.
- New York Courts: foreclosure judgments, payoff, and sale information
- Town of Irondequoit tax information — local tax-bill and collection questions; 585-336-6050.
Compare possible sale proceeds
Compare what you might keep after a sale using the Irondequoit home-sale calculator.
Open the Irondequoit home-sale calculator →Questions and contact
Questions about foreclosure in Irondequoit, NY
Can I sell my Irondequoit house before a foreclosure auction?
A sale may still be possible before the foreclosure auction if the mortgage payoff and other closing obligations can be covered. New York foreclosures go through court, and a referee conducts the sale. After the auction, there is no right to buy the house back. Our agreement of sale will often get a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
What if the 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.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure is about the home loan. A sale over unpaid property taxes is a separate process with its own notice and deadline. For an Irondequoit tax bill or local collection question, the Town Receiver of Taxes is at 585-336-6050.
Can I cancel an investor sale if I live in the house?
If you live in the house and are in foreclosure or two or more months behind, New York's Home Equity Theft Prevention Act gives you 14 business days to cancel a sale to an investor.
Do I have to pay back taxes or liens before closing?
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.
What costs do you pay when I sell to you?
Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from closing costs. When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes. No agent commissions when you sell to us. No fees.
What happens after I contact you?
We will look at the house and the notice or sale date with you. You get a written offer and written terms before you commit, and we close through a title company. If you choose to move forward, we work with the title company on title and payoff details. Close as fast as 7 days when title and closing details allow.
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.”
Talk with us about the notice
Call 888-274-5006 to talk through the house, payoff, or sale date.