How we can work toward a closing
We review the house as it is, the current payoff, title questions, and the date shown on your notice. If the property fits, we give you a written offer and written terms before you decide. If you sign, we use the agreement to ask for a postponement when a mortgage foreclosure sheriff sale is involved. 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.
Signing is not the postponement. Keep checking the current sale date and instructions with the lender and sheriff named in your notice while the payoff and closing details are reviewed.
Which sale notice do you have?
A lender’s mortgage foreclosure and a property-tax foreclosure are different matters. The mortgage payoff and any unpaid property taxes are separate amounts, and the notices can have different deadlines. Midland is in both Midland and Bay Counties, so use the county and contact identified in the notice or property record for that address.
The postponement explanation above is about a mortgage foreclosure sheriff sale. Do not assume an agreement to sell the house changes a property-tax foreclosure date. For 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.
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 the current payoff, then let us review it alongside the property and title details. A lender reduction is not something we can promise for a particular sale.
What happens next
- Tell us the Midland address and what notice or deadline you have. You can call before you have every document.
- We review the house as-is and give you a written offer and written terms before you commit.
- If you choose to proceed, a title company checks ownership, payoff statements, liens, and the closing requirements for the property.
- When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate items reviewed in the closing work.
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.
Compare the numbers for your house
Compare a possible sale with listing using your own payoff, liens, tax amounts, repair costs, and other figures. The calculator is an estimate, not a property-specific offer or a change to a foreclosure deadline.
Estimate sale proceeds with the Midland calculator →Questions and contact
You can call now, even if you are still sorting out the notice or payoff. Call 888-274-5006 or send the property details through the form.
Foreclosure in Midland, MI — Common Questions
Can I sell my Midland house before a sheriff sale?
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. Whether a sale can close in time depends on the current notice, payoff, title, and transaction details.
Is a property-tax foreclosure the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns the lender’s mortgage; a property-tax foreclosure concerns unpaid property taxes. They are separate matters with separate notices and deadlines. Check which process your notice describes and confirm its current date with the lender or county authority named there. A mortgage-sale postponement request does not change a separate tax-sale deadline.
What if my mortgage 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. Ask for a current payoff statement so the numbers and title can be reviewed against the property and written sale terms.
Do I have to pay back taxes or liens before selling?
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 notice still has its own date and process, so confirm those separately with the authority named on the notice.
What happens after I contact USA Home Buyers?
We review the property and the facts you share, then give you a written offer and written terms before you commit. If you choose to proceed, a title company reviews the payoff and title details and handles closing.
Testimonials are real, from our transactions, verified and approved by our attorneys. Each review keeps its actual location.
What sellers say about USA Home Buyers
For more Midland seller information, visit the Midland seller resources.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property and the notice or payoff you want to review.