Meridian, MS › Foreclosure
Can I Sell My Meridian House Before a Foreclosure Sale?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
We can review the notice, payoff and title work with you as we work toward closing before the sale date.
USA Home Buyers buys houses in Meridian and Lauderdale County, Mississippi. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We answer 24/7 at 888-274-5006.
We give written cash offers in 24 hours.
Share the Meridian address and any scheduled mortgage foreclosure sale date.
How we help before a foreclosure sale
We review the house as-is. You get a written offer and written terms before you commit, and we close through a title company. The title company works with us on ownership, title, payoff amounts and closing documents.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Close as fast as 7 days when title and closing details allow.
Mortgage foreclosure and tax sale are different
Most Mississippi mortgage foreclosures using a deed of trust happen without a foreclosure lawsuit under Miss. Code Ann. § 89-1-55. The trustee posts notice at the courthouse and publishes it for three consecutive weeks; the sale is held at the courthouse door. After a completed nonjudicial sale under this section, there is no right of redemption.
A mortgage foreclosure and a Lauderdale County tax sale follow separate processes and have separate dates. We can review your notice with you. For county tax-sale information, the Tax Collector links to the official Landsale Auction information.
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.
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 mortgage payoff, other liens, back taxes, and your share of current property taxes are separate amounts. We work with the title company to review the amounts that apply to the property and how payoffs fit into closing.
What happens next
- We start with the property address and the mortgage foreclosure notice, including the scheduled sale date.
- We review the house as-is and give you a written offer and written terms before you decide.
- If you choose to proceed, we work with a title company on ownership, title and payoff details while working toward 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.
When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and your share of current property taxes are separate.
No agent commissions when you sell to us. No fees.
Lauderdale County records and tax-sale information
The Lauderdale County Chancery Clerk handles county land records, including deeds and mortgages. The Tax Collector handles property-tax collection and links to the official Landsale Auction information.
- Lauderdale County Chancery Clerk land-record information — 2600 Courthouse Blvd., Meridian, MS 39301; 601-482-9701.
- Lauderdale County Tax Collector and Landsale Auction information — 2600 Courthouse Blvd., Meridian, MS 39301; property-tax line 601-482-9895.
Compare possible sale proceeds
Use the Meridian home-sale calculator to compare possible proceeds from a cash sale and a listing.
Estimate possible proceeds with the Meridian home-sale calculator →Questions about foreclosure in Meridian, MS
Can I sell my Meridian house before a mortgage foreclosure sale?
You may be able to sell before the scheduled sale. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
How does a Mississippi deed-of-trust foreclosure sale work?
Most Mississippi deed-of-trust foreclosures proceed without a foreclosure lawsuit under Miss. Code Ann. § 89-1-55. The trustee posts notice at the courthouse and publishes it for three consecutive weeks; the sale is held at the courthouse door. After a completed nonjudicial sale under this section, there is no right of redemption.
Is a mortgage foreclosure the same as a Lauderdale County tax sale?
A mortgage foreclosure and a Lauderdale County tax sale follow separate processes and have separate dates. The Lauderdale County Tax Collector links to the official Landsale Auction information.
What if my mortgage payoff is more than my Meridian 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 have to pay back taxes or liens before selling 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 your share of current property taxes are separate items.
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.”
Talk with us about the property
Share the address and notice in the form above, or call 888-274-5006. We answer 24/7.