Minneapolis, MN › Foreclosure

Can I sell my Minneapolis house before 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 may still be possible if the required payoff or redemption can be completed before the deadline for your case. Minnesota mortgage foreclosures are sheriff's sales; the notices and case papers tell you which dates apply. Have a title company or attorney confirm the current amount and deadline for your property.

USA Home Buyers buys houses as-is in Minneapolis and Hennepin County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call USA Home Buyers: 888-274-5006

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 foreclosure or tax notice you have.

Seller reviews

Read homeowner reviews

See what sellers say about working with us

How we help you work toward closing

We review the Minneapolis house as-is and work toward closing when the property, title, payoff, and timing support it. You can call or use the form with the address and the notice or sale date you have.

Written offer and written terms before you commit; title-company closing.

We use the agreement to ask for a postponement; the agreement alone does not change the sale date. Keep checking the notice and confirm any change with the Hennepin County Sheriff’s Office or the official contact handling your case.

Mortgage foreclosure and property-tax cases are different

Mortgage foreclosure

Minnesota mortgage foreclosure auctions are sheriff’s sales. In a foreclosure by advertisement, the usual redemption period is six months after the sale, but shorter and longer periods apply in some cases. A court foreclosure can have a different starting point. Do not assume your sale date or redemption deadline has moved; confirm the date and amount needed for your property.

See the Minnesota statutes on the sheriff’s sale, redemption periods and exceptions, redemption after confirmation in foreclosure by action, and postponement.

Property-tax sale or forfeiture

A property-tax matter concerns unpaid real-estate taxes, not the mortgage loan. It has separate notices and deadlines. A request to postpone a mortgage sheriff’s sale does not change a separate tax deadline. Follow the tax notice and check parcel-level tax information with Hennepin County.

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.

A current lender payoff and title review help show the amounts that would need to be addressed at closing. A possible sale still depends on the property, lender, case, and applicable deadline.

What happens next

Call or send the Minneapolis address and the foreclosure or tax notice you have.
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 reviews ownership records, mortgage payoff, liens, and the closing details.
If a mortgage sheriff’s sale is scheduled, we use the agreement to ask for a postponement. Keep checking the current date with the official contact handling the sale.
We work toward closing through a title company under the written terms.

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.

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, liens, back taxes, and share of current property taxes are separate amounts; title and payoff work identifies what must be addressed at closing. A mortgage-sale postponement does not change a separate tax deadline.

When you sell to us, we pay the closing costs, including Minnesota deed tax and applicable Hennepin or Ramsey County Environmental Response Fund tax. This does not pay your mortgage, liens, back taxes, or share of current property taxes.

Hennepin County sale and property information

Minneapolis is within Hennepin County. For mortgage foreclosure-sale information, start with the Hennepin County Sheriff’s Office Foreclosure Sales page. The Civil Unit lists its foreclosure-sales contact at 612-348-8142, 350 South 5th Street, Room 190, Minneapolis, MN 55415. Confirm the date for your case with the Sheriff’s Office or the official contact named in your papers.

For parcel-level tax information and recently recorded documents, use Hennepin County’s Property Information Search or call 612-348-3011. For land-title recording and recorded documents, see the Hennepin County Recorder — Registrar of Titles at 612-348-5139. Office locations are routing references; confirm hours and access with the county before visiting.

These county resources are starting points, not confirmation of a property’s sale date, payoff, or redemption amount. Use the dates and contacts on your own notices.

Questions and contact

Compare your own numbers with the Minneapolis home-sale net proceeds calculator. It is an estimate for planning, not a property-specific offer.

Read the Minneapolis seller reviews and trust information.

Foreclosure questions in Minneapolis, MN

Can I sell my Minneapolis house before a sheriff’s sale?

A sale may still be possible if the required payoff or redemption can be completed before the applicable deadline. 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. Confirm the current date and amount with your title company or attorney.

How long is the Minnesota redemption period?

In a foreclosure by advertisement, the usual redemption period is six months after the sheriff’s sale, but shorter and longer periods apply in some cases. A court foreclosure can have a different starting point. Have the title company or an attorney confirm the deadline and amount for your property.

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

No. Mortgage foreclosure concerns the home loan; a property-tax matter is separate and has its own notices and deadlines. A mortgage sheriff-sale postponement does not change a separate property-tax deadline. Follow each notice and check property-tax information with Hennepin County.

What if my 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. A current lender payoff and title review show what would need to be addressed at closing.

Do I have to pay back taxes or liens before closing?

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, liens, back taxes, and share of current property taxes are separate amounts; the title and payoff work identifies what must be addressed at closing.

What happens after I contact USA Home Buyers?

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 works through title, mortgage payoff, liens, and closing details. If a mortgage sheriff’s sale is scheduled, we use the agreement to ask for a postponement; signing alone does not change the date automatically.

Talk with us about your Minneapolis house

Call USA Home Buyers at 888-274-5006 or send the property address through 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 foreclosure or tax notice you have.