Manchester, CT › Foreclosure
Can I Sell My Manchester House in Foreclosure?
Our agreement of sale will often get a law day extended or a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
Often, you can sell before the court deadline if the mortgage can be paid off. In a strict foreclosure, the judge sets a “law day.” If the debt is not paid by then, title usually passes to the lender. If there is equity, the court may instead order a foreclosure by sale, an auction run by a court-appointed committee and approved by the court. Before title passes, a judge may reopen the judgment and set a new law day for good cause.
A sale agreement alone does not change the court date. Keep following the date in your court papers until the court changes it.
How we help with a foreclosure sale
We look at your notice and payoff with you, then work toward closing with the title company. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You get a written offer and written terms before you commit, and we close through a title company.
Our agreement of sale will often get a law day extended or a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs, including the Connecticut state and municipal real estate conveyance taxes.
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.
Mortgage foreclosure and tax-sale notices have different deadlines
Your mortgage foreclosure follows the court’s law day or foreclosure-sale date. A notice about unpaid Manchester property taxes is separate, with its own tax balance and deadline. Check your Manchester tax account through the Town of Manchester tax portal. If you have both notices, call us and we’ll sort through the dates with you.
Owner-occupants of one- to four-family homes may qualify for Connecticut’s Foreclosure Mediation Program, which can pause the case. A sale agreement by itself does not move a court date.
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.
What happens next
Call or use the form. We’ll go through your notice, written offer, and terms with you before you commit, then work with the title company on payoff and closing details.
Close as fast as 7 days when title and closing details allow.
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.
Manchester foreclosure information
See the Connecticut Judicial Branch’s foreclosure information and its pending foreclosure sales by town. For the law on reopening a foreclosure judgment, read Connecticut General Statutes § 49-15.
If you own and live in a one- to four-family home, see the Judicial Branch’s Foreclosure Mediation Program FAQ to learn about eligibility and the program.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Estimate possible sale proceeds with the Manchester calculator →
Foreclosure questions in Manchester, CT
Can I sell my Manchester house before a law day or foreclosure sale?
Often, yes, if the loan is paid off before the court's deadline. In strict foreclosure, the judge sets a law day; if the debt is not paid by then, title usually passes to the lender. If there is equity, the court may instead order a foreclosure by sale, an auction run by a court-appointed committee and approved by the court. Our agreement of sale will often get a law day extended or a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think. A sale agreement alone does not change the date in your court papers.
Is a town tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is your lender’s court case. A notice about unpaid Manchester property taxes is separate and has its own tax balance and deadline. Check a Manchester tax account through the Town’s tax portal. If you have both notices, call us and we’ll sort through the dates with you.
What if the mortgage 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.
What costs do you pay when I sell to you?
When you sell to us, we pay the closing costs, including the Connecticut state and municipal real estate conveyance taxes. No agent commissions when you sell to us. No fees. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from the closing costs we pay.
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.”
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.