Lansing, MI › Foreclosure
Can I sell my Lansing house in 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.
A sale may still be possible if the required payoff or redemption can be completed before the deadline for that property. After a Michigan foreclosure-by-advertisement sale, six months is the most common redemption period, but shorter and longer periods apply. Redemption means paying the sale amount plus required interest and charges—not just missed payments. If an auction has already happened, the remaining redemption period and amount determine whether a sale is still possible.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. USA Home Buyers serves Lansing sellers in Clinton, Eaton, and Ingham counties.
Call 888-274-5006Michigan’s foreclosure stages and the sale and redemption rules are described by MSHDA, MCL 600.3216 and MCL 600.3240.
We give written cash offers in 24 hours.
Tell us what notice you received and what is happening with the property. We can start with what you know.
How we work toward closing
We review the property, notice and sale date, lender payoff, and title details with you. If you choose to proceed, we give you a written offer and written terms before you commit, then work with a title company on payoff and title details through closing. 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.
Mortgage foreclosure or property-tax foreclosure?
A mortgage foreclosure and a property-tax foreclosure are different processes. Michigan mortgage foreclosures by advertisement use sheriff's sales. Unpaid property taxes follow a separate, multi-year forfeiture and foreclosure process through the applicable Foreclosing Governmental Unit (FGU). The mortgage sale date and the tax-foreclosure process have separate records and deadlines.
The Michigan Treasury’s tax-forfeiture and foreclosure overview explains the state process.
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 look at the current written payoff and title information with you. The lender’s actual payoff and the property’s liens still have to be reviewed for this sale.
What happens next
- We talk through the property, notice, and deadline with you.
- We provide a written offer and written terms before you commit.
- If you choose to proceed, a title company checks ownership, payoff and lien information, and the details needed for closing.
- We work toward closing through the title company and the requirements for your property.
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. That does not pay your mortgage, liens, back taxes, or your share of current property taxes; those are separate items for the title company to account for.
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 Lansing and county offices
Lansing properties may be in Clinton, Eaton, or Ingham County. We can help identify which county Treasurer handles a property-tax foreclosure.
- Ingham County Treasurer: forfeiture and foreclosure process
- Ingham County Treasurer: tax-foreclosure auctions
- Clinton County Treasurer: tax search — the county directs owners to the State of Michigan for parcels listed as foreclosed.
- Eaton County Treasurer
Lansing foreclosure questions
Estimate possible sale proceeds with the Lansing calculator → It is a planning estimate, not a property-specific offer.
Common foreclosure questions
Can I sell my Lansing house before a sheriff’s sale?
A sale may still be possible if the required payoff or redemption 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. We can work with a title company to review the notice, payoff, and timing with you.
Does signing an agreement automatically postpone the sheriff’s sale?
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.
Is a property-tax foreclosure the same as a mortgage foreclosure?
No. Michigan mortgage foreclosures by advertisement use sheriff’s sales; unpaid property taxes follow a separate state-and-county foreclosure process. Each has its own records and deadlines, so a mortgage sale date or redemption period does not apply to a tax case.
What if the payoff is more than my Lansing house is worth?
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.
Do I need 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. Mortgage payoff and your share of current property taxes are separate items.
What happens after I contact USA Home Buyers?
We review the property and timing with you, give you a written offer and written terms before you commit, and work with a title company on payoff and title details if you choose to proceed. We give written cash offers in 24 hours.
Talk through your Lansing property
Call 888-274-5006 or use the form. You can start with the address and what you know about the notice.
We give written cash offers in 24 hours.
Share the property details and we will review the next steps with you.