Merced, CA · Merced County › Foreclosure
Can I Sell My Merced House in Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, yes: you may still sell before a California mortgage foreclosure sale if the payoff, title work, and closing can be completed in time. A cash offer does not change a scheduled sale date.
USA Home Buyers buys houses as-is in Merced and Merced County, California. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 to talk about the property, or send its address through the form.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the Merced address and, if one is scheduled, the trustee's sale date.
How we can help with a Merced house
We give you a written offer and written terms before you commit, and a title company handles the closing. When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate amounts; the title company checks the figures for the property.
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. The title company reviews the payoff and available sale proceeds for the specific property.
Mortgage foreclosure or property-tax sale?
California home loans commonly use a deed of trust. Most mortgage foreclosures are nonjudicial: the trustee named in the deed of trust runs the process without a court lawsuit. A Merced County sale for delinquent property taxes is separate. Keep its notice and dates apart from a mortgage trustee-sale notice; the mortgage deadlines below do not set a tax-sale deadline.
For a mortgage foreclosure, the trustee records a notice of default. After a 90-day cure period, a notice of sale can follow; it must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. After a nonjudicial trustee's sale, there is no right of redemption.
A trustee may postpone a sale at the lender's instruction or by agreement. For a one-to-four-unit home, state law also allows limited 45-day postponements tied to a broker listing and a qualifying purchase agreement. Do not assume the date has changed; confirm it with the trustee or lender.
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 the lender for a current payoff and have the title and closing figures reviewed for the property. What a lender will accept depends on the particular loan and sale.
What happens next
- Contact us with the property address and trustee's sale date, if one is scheduled.
- We review the house and give you a written cash offer and written terms before you commit.
- A title company checks title, the lender payoff, recorded liens, and closing figures.
- If you accept and the required steps can be completed in time, the title company coordinates 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.
Merced County tax-sale information
For a property-tax account or Merced County tax-sale information, contact the County Treasurer-Tax Collector. Use the sale notice for its dates and instructions; do not apply mortgage trustee-sale deadlines to a tax sale.
- Merced County Treasurer-Tax Collector — 2222 M Street, Merced, CA 95340.
- Tax Collector: (209) 385-7592.
- Treasurer: (209) 385-7307.
Foreclosure questions and contact
Questions about foreclosure in Merced
Can I sell my Merced house before a trustee's sale?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. A sale may be possible if the payoff, title work, and closing can be completed in time. Confirm the current date and payoff with the trustee or lender and a title company.
What are the California mortgage-foreclosure deadlines?
After the trustee records a notice of default, a 90-day cure period comes before a notice of sale can follow. The notice of sale must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. Confirm the dates and figures for your property.
Is a property-tax sale the same as a mortgage trustee sale?
No. A mortgage foreclosure under a deed of trust and a sale for delinquent property taxes are separate processes with separate notices and dates. Do not apply mortgage trustee-sale deadlines to a tax-sale notice; follow the instructions on that notice and confirm the tax-sale information with the Merced County Treasurer-Tax Collector.
What if my payoff is more than the 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 and have the title and closing figures reviewed for the property; what a lender will accept depends on the particular loan and sale.
Do I need to repair or clean out the house before asking about an offer?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can tell us what you know about the house when you contact us.
Estimate possible sale proceeds with the Merced calculator → It is a planning estimate, not an offer for your property.
Read seller reviews and review information.
Browse Merced seller resources or return to the Merced home-selling overview.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what you know about the property.