How we help you work toward closing
We look at the house and mortgage payoff with you. You get a written offer and written terms before you commit, and we close through a title company. We can close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs, including Minnesota deed tax and applicable Hennepin or Ramsey County Environmental Response Fund tax. No agent commissions when you sell to us. No fees.
Mortgage foreclosure or property-tax forfeiture?
A Minnesota mortgage foreclosure auction is a sheriff's sale. After a foreclosure by advertisement, the usual redemption period is six months after the sale, though some cases have a shorter or longer period. A court foreclosure can have a different starting point.
A delinquent-property-tax or tax-forfeiture notice is a separate county process with its own dates. Postponing a mortgage sheriff's sale does not change a tax-forfeiture deadline.
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.
Tell us what you know about the payoff. We can look at it alongside the house and the sale details, then work through the title and closing steps with you.
Back taxes and liens
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. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay. A tax-forfeiture notice has its own county dates.
What happens next
- Call 888-274-5006 or use the form. Tell us what you know about the house and the date on your notice; we can start with that.
- We review the house and mortgage payoff with you. You get a written offer and written terms before you commit.
- If you choose to sell, we close through a title company. The title company works through ownership, payoff, liens, and closing details with us.
- If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it.
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.
Todd County and Minnesota foreclosure resources
The City of Long Prairie lists Todd County Offices at 215 1st S, Suite 300, Long Prairie, MN 56347, phone 320-732-6447. For a property-tax forfeiture question, call and ask which county office handles the notice.
Minnesota mortgage-foreclosure law
Compare possible sale proceeds
Compare a possible sale price with your payoff to see how they affect estimated proceeds.
Open the Long Prairie home-sale net proceeds calculator →Questions and contact about foreclosure in Long Prairie
Read the seller reviews, or call now even if you are still sorting out the notice or payoff.
What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”
Foreclosure questions for Long Prairie and Todd County
Can I sell my Long Prairie house before a mortgage sheriff's sale?
It may still be possible to sell before the sheriff's sale. Call us as soon as you can so we can look at the payoff and sale date with you.
How long is the Minnesota redemption period after a mortgage foreclosure sale?
For a foreclosure by advertisement, the usual redemption period is six months after the sheriff’s sale. Some cases have shorter or longer periods, and a court foreclosure can have a different starting point.
Is property-tax forfeiture the same as mortgage foreclosure?
No. A mortgage foreclosure can lead to a sheriff’s sale. A delinquent-property-tax or tax-forfeiture notice is a separate county process with its own notices and dates. Postponing a mortgage sheriff’s sale does not change a separate tax-forfeiture date.
What if my mortgage payoff is more than my Long Prairie house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Do I need to pay back taxes or liens before asking about a sale?
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. A tax-forfeiture notice follows its own county process and dates.
What happens after I contact USA Home Buyers?
We review the house and payoff with you. You get a written offer and written terms before you commit, and we close through a title company.
Talk through your Long Prairie house and notice
Call 888-274-5006 or send the property address and the date shown on your notice through the form.
We give written cash offers in 24 hours.
Tell us about the house, payoff, and foreclosure timing you are facing.