Lewiston · Nez Perce County · Idaho
Can I Sell My Lewiston House Before Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, you can sell before an Idaho deed-of-trust sale if the title, payoff, and closing steps can be completed in time. A lender can also choose to foreclose in court, where the court papers and case status set a different path.
We buy houses as-is in Lewiston and Nez Perce County, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 or send the property address and sale date with the form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the trustee-sale date or court deadline and what you know about the payoff.
How we help with a possible sale
Tell us the sale date, what notices you have, and the latest payoff information. We review the house and send a written offer with written terms before you commit. If you choose to sell to us, a title company checks ownership, payoff figures, and recorded liens and prepares the closing. Whether a sale can finish before a particular deadline depends on the property, title, lender, and actual sale date.
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, liens, back taxes, and share of current property taxes are separate.
Which sale is involved: mortgage foreclosure or county tax deed?
Idaho mortgage foreclosure and a county tax-deed proceeding are not the same process. A deed-of-trust trustee sale follows the lender’s mortgage claim; a tax-deed matter concerns unpaid property taxes and the county’s tax records. The notices, office, and deadlines differ, so check which notice you received before acting on a date.
Mortgage foreclosure
Idaho lets a lender foreclose a deed of trust either by advertisement and trustee sale or through a court case. For a trustee sale, the process begins when the notice of default is recorded and mailed. The sale cannot happen until at least 120 days after the notice of sale is mailed; the notice is also published weekly for four weeks, with the last publication at least 30 days before the sale. The trustee must try to serve an adult occupant and post the notice.
For the usual reinstatement period, you can bring the loan current within 115 days after the notice of default is recorded by paying the overdue amount and allowed costs and fees. If your lender is regulated and the house is your main home with a homeowner’s exemption, a loan-change request form comes with the notice of default. If the lender gets it back within 30 days, the sale cannot happen until the lender answers. A trustee may postpone a sale by announcing it at the sale; each postponement can be up to 30 days and may be repeated. For covered primary-home loans from a regulated lender, the trustee must mail at least 14 days’ notice before a postponed sale.
After a trustee's sale, Idaho law does not give you a right to buy the house back. If the lender forecloses in court instead, you can generally redeem after the sale within six months, or within one year if the land is more than 20 acres. Your notices and case record are the source for your own dates.
If you sign a contract to sell during a trustee-sale foreclosure, the contract must include an Idaho notice and you have five business days to cancel. No money or interest in the house can change hands until those five days have passed.
County tax-deed process
A delinquent tax account has its own county process; a mortgage notice does not tell you the tax-deed status, and the tax process does not use the trustee-sale timeline above. Contact the Nez Perce County Treasurer to confirm the parcel’s account, status, and current steps.
Nez Perce County Treasurer: tax-deed 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. Get a current payoff statement and have the sale amount, title, and liens reviewed before making a decision.
What happens next
1. Share the date and the property details
Call or use the form above. We can review the notice, scheduled date, property condition, and current payoff information.
2. Review the written offer and terms
You can look over the written price and terms before you decide whether to sell to us.
3. Let the title company check payoff and title
The title company confirms the figures and requirements for the transaction. The scheduled sale date and any court or trustee action still matter.
4. Close if the required steps can be completed in time
The sale proceeds and signed closing terms determine how payoffs are handled at closing.
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 help in Nez Perce County
For a court-file or self-help question, the Nez Perce County District Court and Court Assistance Office are at the County Courthouse, 2nd Floor, 1230 Main Street, Lewiston, ID 83501. The Court Assistance Office page provides self-help and forms information; ask the Court or Clerk which counter and process apply to your case. The District Court main number is 208-799-3040.
Need to check the county tax account instead? Contact the Nez Perce County Treasurer ↗ for parcel-specific information.
Questions, reviews, and contact
Call 888-274-5006 or send the property details above. For a proceeds estimate, use the Lewiston home-sale net proceeds calculator →. You can also read about property liens and back taxes or browse the Lewiston market page.
Foreclosure questions from Lewiston homeowners
Can I sell my Lewiston house before a trustee’s sale?
Often, yes, if the title and payoff work and closing can be completed before the scheduled sale. Share the date on your notice as soon as you can so we can review the timing.
How is a court foreclosure different from a trustee’s sale in Idaho?
A lender may foreclose a deed of trust through a trustee’s sale without a court case, or choose a court foreclosure. After a trustee’s sale there is no right to redeem the house. After a court foreclosure sale, the owner can generally redeem within six months, or within one year if the land is more than 20 acres. The court record and notices control the case in front of you.
Is a county tax-deed process the same as mortgage foreclosure?
No. A lender’s mortgage foreclosure and Nez Perce County’s tax-deed process are separate proceedings with separate records and deadlines. Ask the Nez Perce County Treasurer about the property’s tax account and current tax-deed status; do not use a trustee-sale date to judge a county tax matter.
Can I reinstate an Idaho deed-of-trust loan?
Usually, you can reinstate within 115 days after the notice of default is recorded by paying the overdue amount and allowed costs and fees. Principal that would not yet be due without the default is excluded, but amounts already due still have to be paid. Check your notice and get advice about your specific deadline.
Can I cancel a contract to sell during a trustee-sale foreclosure?
If you sign a contract to sell during a trustee-sale foreclosure, Idaho law requires a notice in the contract and gives you five business days to cancel. No money or interest in the house can change hands until those five days pass.
What if the payoff is more than my Lewiston house is worth?
Think the payoff is more than the house is worth? Ask us — we’ve gotten lenders to come down before. A current payoff, title review, and the written sale terms help show what would need to be resolved at closing.
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.”