Jamestown, NY · Chautauqua County
Can I Sell My Jamestown House in Foreclosure?
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 use the agreement to ask for a postponement; signing it alone doesn't postpone the sale automatically.
You may still be able to sell before the New York 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, you have no right to buy the house back.
If you live in the home 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. Stopping the foreclosure by paying the lender requires the full amount owed, including applicable interest, fees, and costs.
Call 888-274-5006 or tell us about the house and your deadline in the form. We buy houses as-is in the City of Jamestown and Chautauqua County.
We give written cash offers in 24 hours.
Share the property address and the timing shown in your notice.
How we can help with a possible sale
USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in the City of Jamestown and throughout Chautauqua County. We can review the property, payoff information, and sale date with you, then work toward a closing. If a sale date is set, we use our agreement of sale to ask for a postponement.
You get a written offer and written terms before you commit. We close through a title company.
Check whether the notice is about a mortgage or property taxes
A New York mortgage foreclosure goes through court and can lead to a referee's auction. A delinquent property-tax matter is separate, with its own notices and dates. For a tax matter, the City Treasurer handles collection of City, County, and School real-property taxes, and Chautauqua County Real Property Tax provides tax lookup, rolls, and bills. Not sure which notice you have? Call us — we'll sort it out with you.
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. If paying the lender is the way to stop the case, New York Courts says the full amount owed, including applicable interest, fees, and costs, must be paid.
What happens next
1. Tell us about the house and timing
Share the address and the notice or court date you have. We'll review the situation with you.
2. Review the written terms
You can read the written offer and terms before you decide whether to commit.
3. Work through title, payoff, and closing
We work through the title and payoff details and use our agreement of sale to ask for a postponement when needed. 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. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
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 offices and foreclosure information
For a mortgage case, New York Courts explains payoff and how to request that a sale be stopped. The New York Courts foreclosure-judgment guidance explains payoff and requests to stop a sale. For property-tax information, see the local offices below.
City of Jamestown Treasurer · Chautauqua County Real Property Tax · County tax rolls and bills
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Estimate possible sale proceeds with the Jamestown home-sale calculator → Use it to compare your own numbers; it is not a property-specific offer.
Questions about foreclosure in Jamestown, NY
Can I sell my Jamestown house before a foreclosure auction?
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. You may still be able to sell before the 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, you have no right to buy the house back.
Does signing an agreement automatically postpone the foreclosure sale?
Signing the agreement doesn't automatically postpone the sale; we use it to ask for a postponement. 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.
Is a property-tax sale the same as a mortgage foreclosure auction?
No. A New York mortgage foreclosure is a court case that can lead to a referee’s sale. A delinquent property-tax matter follows a separate process and has its own notices and dates.
What if the mortgage payoff is more than my Jamestown house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. If paying the lender is the way to stop the case, New York Courts says the full amount owed, including applicable interest, fees, and costs, must be paid.
Do New York homeowners have time to cancel a sale to an investor?
If you live in the home 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. That cancellation period is separate from the dates in a mortgage foreclosure case.
How do I check my foreclosure status or sale information?
New York Courts explains how mortgage foreclosure sales work and how to request that a sale be stopped. A property-tax matter follows a separate process with different notices and dates.
How do I ask for a cash offer in Jamestown?
Send the property address using the form or call us at 888-274-5006. We give written cash offers in 24 hours. You receive written terms before you commit, and closing is through a title company.
If you want to discuss a possible sale, call 888-274-5006 or send the address in the form. We buy houses as-is in the City of Jamestown and Chautauqua County.
We give written cash offers in 24 hours.
Share the property address and the deadline you are working with.