Marshalltown, IA / Foreclosure

Can I Sell My Marshalltown House in Foreclosure?

Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.

Yes. A sale before an Iowa sheriff's sale may still be possible if the payoff, title, court status, and time to close line up. We buy houses as-is in Marshalltown and Marshall County. Whether a sale can finish depends on those property and case details.

Call 888-274-5006 or send the property address using the form.

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 deadline you have.

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How we help you work toward closing

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can ask about a sale without first fixing up the Marshalltown house.

You receive a written offer and written terms before you commit; closing is through a title company. If you choose to proceed, we work with the title company on title, payoff, liens, and closing details. Keep following the date on your current notice unless the court or sheriff confirms a change.

When you sell to us, we pay the closing costs, including Iowa real estate transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate items in the closing figures.

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.

Which sale is involved: mortgage foreclosure or tax sale?

Mortgage foreclosure

Iowa home mortgages are generally foreclosed through a court case. Before suing, most lenders must give the owner of an occupied one- or two-family home a notice with 30 days to cure the default and tell the owner that counseling and mediation are available. That notice is not the sheriff's-sale date.

A court judgment can lead to a sheriff's sale. The sale must be posted and published, with the first publication at least four weeks before the sale. Use the date and instructions on the current case notice; a buyer agreement does not change that date by itself.

After a sale, Iowa redemption rules depend on the procedure. The period is generally one year, with shorter periods in some cases. If a lender chooses foreclosure without redemption for nonagricultural property, there is no right to redeem after the sheriff's sale. Do not assume a post-sale redemption period applies to your case.

Iowa Code chapter 654 covers foreclosure by action, cure notices, counseling and mediation notices, and special execution.
Iowa Code section 626.75 covers notice of sale.
Iowa Code chapter 628 covers redemption periods, including reduced periods in some cases.
Iowa Code section 654.20 covers foreclosure without redemption for nonagricultural property.

Property-tax sale

A property-tax sale is a separate process from a mortgage foreclosure. The tax-sale notice has its own steps and deadline. Follow the notice for the process named on it; do not apply a mortgage cure notice, sheriff's-sale date, or postponement to a tax matter. If both kinds of notice apply, keep their dates separate and confirm each with the office named on that notice.

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. The title company can review the payoff, liens, and closing figures for the property while we work toward closing.

What happens next

1. Contact us. Share the Marshalltown property address and the notice or sale date you have.
2. We review the house as-is. We give you a written cash offer within 24 hours.
3. Read the written terms. You receive the written offer and terms before you commit.
4. Title and payoff work. If you choose to proceed, a title company reviews title, payoff, liens, and closing details.
5. Work toward closing. We use the agreement to ask for a sheriff's-sale postponement. Signing alone does not postpone the sale automatically; keep using the current notice date until the court or sheriff confirms a change.

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.

Marshall County court information

The Iowa Courts Marshall County District Court page is a local official starting point for court information. For the sale date or status of your case, match the address and case number on your papers and confirm with the court or sheriff contact listed in the current notice.

The calculator is a planning tool, not a property-specific offer or settlement statement.

Foreclosure questions in Marshalltown, IA

Can I sell my Marshalltown house before a sheriff's sale?

Yes. A sale before an Iowa sheriff's sale may still be possible if the payoff, title, court status, and time to close line up. Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Keep using the date on your current notice until the court or sheriff confirms a change.

Is a mortgage foreclosure the same as a property-tax sale?

No. An Iowa mortgage foreclosure is generally a court case over the home loan. A property-tax sale is a separate process with its own notice and deadline. Follow the notice for the process named on it; a change to one date does not change the other.

Can I redeem my home after an Iowa sheriff sale?

A post-sale redemption period depends on the foreclosure procedure. It is generally one year, with shorter periods in some cases. If the lender chooses foreclosure without redemption for nonagricultural property, there is no right to redeem after the sheriff’s sale. The case papers and applicable procedure determine which rule applies.

What if my mortgage payoff is more than my Marshalltown 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 statement and title review can identify the figures that would need to be addressed for a sale.

What happens to back taxes and liens if I sell to you?

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 and share of current property taxes are separate items, and a tax-sale notice has its own deadline.

What happens after I contact USA Home Buyers?

We review the Marshalltown house as-is and give you a written cash offer within 24 hours. You receive the written offer and terms before you commit. If you choose to proceed, a title company works through title and payoff details for closing.

Talk through the notice and the house

Call 888-274-5006 or send the Marshalltown property address and the sale information you have.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the address and the notice or payoff information you have.