Lebanon, NH / Foreclosure
Can I Sell My Lebanon House Before Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Yes. A sale may still be possible if the mortgage can be paid off before foreclosure and the title and closing work can be completed in time. If you redeem before foreclosure, New Hampshire law requires satisfying the mortgage obligations, damages, and costs. The date and instructions in your notice matter.
In Lebanon and Grafton County, USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk through the house and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the notice or sale date you have.
How we help you work toward closing
We review the house and the notice with you. You receive a written cash offer and written terms before you commit. If you choose to move forward, a title company works through ownership, mortgage payoff, lien, and closing details with you.
When you sell to us, we pay the closing costs, including New Hampshire real estate transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Which sale is named in your notice?
A New Hampshire mortgage with a power of sale can be foreclosed without a court lawsuit. Residential borrowers generally receive at least 45 days' notice, with newspaper publication once a week for three weeks. The notice explains how to ask the county superior court to stop the sale; the petition and service must be completed before the sale to preserve that statutory challenge. Read the notice for the actual date and steps.
A tax sale for unpaid property taxes is a separate process with its own notice and dates. Do not use the mortgage notice period as a tax-sale deadline. If your notice concerns taxes, follow that notice and contact the municipality or official named on it. Keep mortgage and tax-sale dates separate if both notices apply.
Read the official New Hampshire rules: RSA 479:25, power-of-sale procedure and RSA 479:18, redemption before foreclosure.
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 statement. A title company can review the payoff and other liens; a lender decides whether it will accept a reduced payoff for a particular transaction.
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
- Call or send the Lebanon property address and tell us what notice or date you are looking at.
- We review the house and provide a written cash offer and written terms before you commit.
- If you choose to proceed, a title company reviews ownership, payoff, lien, and closing details.
- Keep following the instructions for each notice and confirm any date change with the official contact named there.
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.
Lebanon and Grafton County offices
For a Lebanon property-tax notice, start with the City of Lebanon's City Clerk and Tax Collection office and follow the contact and date on your notice. For recorded land documents, see the Grafton County Register of Deeds.
The state mortgage-foreclosure notice and redemption rules are in RSA 479:25 and RSA 479:18.
Questions and contact
Compare a written offer with payoff and other sale costs using the Lebanon home-sale net-proceeds calculator → as a planning estimate, not a property-specific offer or payoff quote.
What sellers say about USA Home Buyers
Questions about selling before foreclosure in Lebanon, NH
Can I sell my Lebanon house before a mortgage foreclosure sale?
A sale may still be possible if the mortgage can be paid off before foreclosure and there is time to complete title and closing work. Check the notice for the actual sale date and instructions; the mortgage payoff and property records affect what can be completed in time.
What notice does New Hampshire require for a mortgage foreclosure?
Residential borrowers generally receive at least 45 days' notice, with newspaper publication once a week for three weeks. The notice explains how to ask the county superior court to stop the sale; the petition and service must be completed before the sale to preserve that statutory challenge. Before foreclosure, redemption requires satisfying the mortgage obligations, damages, and costs.
Is a Lebanon tax sale the same as mortgage foreclosure?
No. A mortgage foreclosure concerns the home loan; a tax sale concerns unpaid property taxes. They have separate notices and deadlines. The mortgage notice period described on this page is not a tax-sale deadline. Follow the tax notice and contact the municipality or office named there about its date.
What if my mortgage payoff is more than my Lebanon house is worth?
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 and have the title and lien details reviewed. Any lender decision about a reduced payoff depends on that lender and the specific transaction.
What happens after I contact USA Home Buyers?
We review the house and the notice with you, give you written offer terms before you commit, and work with a title company on title and payoff details if you choose to proceed. Whether a sale can close before a mortgage foreclosure date depends on the payoff, title work, and the date in your notice.
Call 888-274-5006 or send the property address and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the house and the notice or deadline you are facing.