Juneau, AK Foreclosure
Can I Sell My Juneau House in 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.
Often, yes. Alaska home loans commonly use a deed of trust, so foreclosure is usually nonjudicial: a trustee can sell the house at public auction without a court case. If the house has not yet been sold, you may still be able to sell before the sale when the payoff, title, and closing steps can be completed in time. A court foreclosure follows a different path. The notice for your property and the trustee’s current sale date control.
We buy houses as-is in Juneau and the City and Borough of Juneau, Alaska. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You receive written offer terms before you commit, and closing is through a title company.
Call USA Home Buyers: 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 review the house as-is, the sale date shown on your notice, and the payoff and title information available. If you decide to sell, our agreement is how we ask the trustee to postpone the sale while we work toward closing:
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.
Signing by itself does not change the date on the notice. Confirm any postponement with the trustee, and have the title company or an attorney confirm the current deadline and payoff. Alaska’s statutory notice and cure periods remain separate from a postponement request.
Mortgage foreclosure and tax sale have different deadlines
In an Alaska nonjudicial deed-of-trust foreclosure, the trustee must record a notice of default at least 30 days after the default and at least 90 days before the sale, then mail it by certified mail within 10 days of recording. The sale also requires public notice, including posted, newspaper, and online notices. Before the sale, a missed-payment default can generally be cured by paying the amount in default plus foreclosure fees and costs. Use the current notice and confirm the amount and deadline with the trustee or an attorney.
A mortgage foreclosure concerns the home loan. A Juneau property-tax sale is a separate process; mortgage notice periods are not tax-sale deadlines. If the notice concerns property taxes, use that notice and contact the City and Borough of Juneau Finance office for local tax information.
After a nonjudicial trustee’s sale, Alaska law provides no right to redeem the property unless the deed of trust allows it. A court foreclosure has its own redemption period. The trustee’s notice, court record, and applicable law determine the situation for 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.
Ask your lender for a current payoff so the numbers can be reviewed with the property and title information. Mortgage balances, other liens, back taxes, and your share of current property taxes are separate amounts.
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 happens next
- 1. Talk with us. Call or use the form and share the property address, what notice you received, and any sale date you know.
- 2. Review the offer. We give you a written cash offer within 24 hours. You receive written terms before you decide whether to commit.
- 3. Work through title and payoff. If you want to proceed, the title company reviews title, payoff information, and the closing steps. The actual sale date and required payoff still matter.
- 4. Close through a title company. When you sell to us, we pay the closing costs. That is separate from your mortgage, liens, back taxes, and share of current property taxes.
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.
Juneau offices and Alaska foreclosure information
For a local property-tax notice or local property records, use the City and Borough of Juneau’s official offices. The state statutes below describe mortgage foreclosure procedures; they do not replace the dates on your notice.
- City and Borough of Juneau Finance — local finance and tax information.
- Juneau Assessor Office — local property-assessment information.
- Juneau Municipal Records / City Clerk — municipal records.
- Alaska Department of Natural Resources Land Records — state land-records portal.
Alaska law
Questions about foreclosure in Juneau
Can I sell my Juneau house before a trustee’s 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. A sale before the trustee’s sale still depends on the current payoff, title, and whether the closing steps can be completed in time. Confirm the sale date with the trustee using your property’s notice.
What are the Alaska notice and cure deadlines?
For a nonjudicial deed-of-trust foreclosure, Alaska law requires the notice of default to be recorded at least 30 days after the default and at least 90 days before the sale. The trustee must mail it by certified mail within 10 days after recording. A missed-payment default can generally be cured by paying the amount in default plus foreclosure fees and costs before the sale. Check the actual notice and amount with the trustee, title company, or an attorney.
Is a property-tax sale the same as a mortgage foreclosure?
No. A property-tax sale follows a separate process from a mortgage foreclosure, so the mortgage notice and its deadlines do not tell you the tax-sale deadline. Use the notice for the property and ask the City and Borough of Juneau Finance office about local tax information.
What if the lender 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. Ask the lender for a current payoff so the sale numbers can be reviewed alongside title and any other amounts due.
What happens to a mortgage payoff, liens, and back taxes at 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. When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from that closing-cost promise.
What happens after I contact USA Home Buyers?
We review the property and the timing you share, then give you a written offer and written terms before you commit. If you choose to proceed, the title company works through title, payoff information, and closing details. A specific closing date depends on those property and title details.
Compare possible sale proceeds with a listing using the Juneau Home Sale Net Proceeds Calculator. A calculator estimate is not a property-specific offer.
Juneau trust and review information · Juneau market overview
Talk through a Juneau foreclosure sale
Call USA Home Buyers at 888-274-5006, or send the property information through the form.
We give written cash offers in 24 hours.
Share the sale notice and payoff information you have.
We'll give you a written cash offer within 24 hours.