Lexington Park, MD Foreclosure
Can I Sell My Lexington Park House Before Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Yes. You may still be able to sell before a mortgage foreclosure sale if the loan can be paid off at closing and title and closing work can finish in time. The actual sale date matters.
USA Home Buyers buys houses as-is in Lexington Park and St. Mary's County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 and share the property address and the date or notice you received.
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 foreclosure date or notice you have.
How we help you work toward closing
We review the house as-is and give you a written offer and written terms before you commit. You do not need to repair, clean, or empty the property to sell to us.
If you choose to proceed, a title company works through title and payoff details with you and coordinates the closing. A possible pre-sale closing depends on the payoff and whether those steps can be completed before the date in your notice.
Mortgage foreclosure and tax sale have separate deadlines
The process below is a mortgage foreclosure under the power of sale or assent to decree in the loan documents. An individual acting for the lender holds that sale. A county tax-sale notice concerns unpaid property taxes; it is a different process with its own notices and dates. If your notice is about taxes, follow it and contact the office named there instead of using the mortgage dates on this page.
Maryland mortgage foreclosure: dates that may matter
Maryland law sets several notice and court steps. Read the papers for your property and check the current date with the person named in the sale notice.
- Before the foreclosure filing: The lender must mail a notice of intent to foreclose at least 45 days before filing, and cannot file until 90 days after the default.
- Mediation for owner-occupants: An owner-occupant can generally request foreclosure mediation within 25 days after being served with the lender's final loss mitigation affidavit.
- Notice of sale and catching up: An individual acting for the lender holds the sale under the power of sale or assent to decree in the loan documents, with at least 10 days' notice. You can catch up the loan until one business day before the sale.
- After the sale: The sale is not final until the circuit court ratifies it. You have 30 days after notice of the report of sale to file exceptions—to ask the court to review the sale.
- Contract cancellation for some owner-occupants: If you live in the home and are at least 60 days behind, you can cancel a contract to sell within five days after signing. A deed or other document affecting title cannot be recorded during those five days.
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 and have title review any other liens. The mortgage balance, liens, back taxes, and your share of current property taxes are separate figures to check for a proposed closing.
What happens next
- Call or send the property address and the foreclosure notice or sale date you have.
- We review the property and give you a written cash offer and written terms before you commit.
- If you want to move ahead, a title company works through title, payoff, and closing details with you.
- The sale date and payoff must be checked against the time needed to close. The person named in your notice can confirm the current sale date.
When you sell to us, we pay the closing costs, including Maryland's state transfer tax, recordation tax and any applicable county transfer tax.
That closing-cost promise does not pay your mortgage, liens, back taxes, or share of current property taxes; those remain separate items in the closing figures.
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 for St. Mary's County properties
The Circuit Court for St. Mary's County Clerk's Office is the county court-office reference. A mortgage sale date comes from the individual acting for the lender and the notice for your property, not a general county sale calendar.
Estimate possible sale proceeds with the Lexington Park calculator → It is a planning estimate, not a property-specific offer or settlement statement.
Questions about selling before foreclosure in Lexington Park, MD
Can I sell my Lexington Park house before a mortgage foreclosure sale?
Often, yes, if the mortgage can be paid off at closing and the title and closing work can finish before the sale. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Which Maryland foreclosure deadlines should I check?
The lender must mail a notice of intent to foreclose at least 45 days before filing and cannot file until 90 days after default. An owner-occupant can generally request mediation within 25 days after service of the lender’s final loss mitigation affidavit. The person acting for the lender must give at least 10 days’ notice of the sale. The notice and court papers for your property control the dates to act on.
Is a mortgage foreclosure the same as a St. Mary’s County tax sale?
No. This page explains a lender’s mortgage foreclosure. A tax-sale notice concerns unpaid property taxes and follows a separate process with separate notices and dates. Do not use a mortgage-foreclosure date as a tax-sale deadline; follow the tax notice and contact the office named there.
What if the 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. Get a current payoff figure and have title and other liens reviewed. Any lender decision about a payoff is specific to the property and transaction.
What happens after I contact USA Home Buyers?
We review the property and the date or notice you have, then give you a written offer and written terms before you commit. If you choose to proceed, a title company works through title and payoff details and coordinates closing. A scheduled sale date still needs to be confirmed with the person named in your notice.
Can I cancel a sale contract after signing if I live in the house?
If you live in the property and are at least 60 days behind, Maryland law lets you cancel a contract to sell within five days after signing. A deed or other document affecting title cannot be recorded during those five days.
Talk through the foreclosure date
Call 888-274-5006 or send the Lexington Park property address and the notice you received.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the foreclosure date or payoff information you have.