Can I Sell My Mobile House in Foreclosure?

How we help you work toward closing

We review the house as-is, the payoff information, title, and the timing in your notice. You get a written cash offer and written terms before you commit; closing is through a title company. Our agreement of sale will often get a foreclosure 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 following the sale date on your notice unless the postponement is confirmed.

When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage, liens, back taxes, and share of current property taxes are separate amounts.

You do not need to pay off back taxes before we settle. We buy houses with back taxes and liens; payoffs get handled through closing, not by you upfront.

Which sale notice are you facing?

A mortgage foreclosure and a tax sale for unpaid property taxes are different matters with separate notices and deadlines. The mortgage rules below are not a tax-sale calendar. Read the notice you received and use the date and instructions for that specific process.

Alabama mortgage foreclosure

A mortgage with a power-of-sale clause can let a lender foreclose without filing a court case. The sale notice generally must run once a week for three successive weeks in a newspaper in the county, or an adjoining county if none is published there. See Alabama Code §35-10-12 and §35-10-13. Use the current notice and confirm any postponement before relying on a changed date.

If the mortgage foreclosure sale already happened

Alabama gives certain people a limited right to buy the house back, called redemption. For residential property with a homestead exemption claimed in the year of sale and a mortgage signed on or after January 1, 2016, the usual period is 180 days. Other property and older mortgages generally have a one-year period. For qualifying homestead property, missing required notice can change when the redemption period starts, but it cannot extend redemption beyond one year after foreclosure. See Alabama Code §6-5-248 and §6-5-248.1.

Redeeming means paying the sale price, interest, and lawful charges, which can include improvements, taxes, and insurance. If the purchaser also owns the mortgage debt, the remaining debt and interest may also be due. Redemption is not extra time to stay in the house. A debtor or mortgagor still in possession must leave within 10 days after the purchaser's written demand or risk losing redemption rights. See Alabama Code §6-5-253 and §6-5-251.

If your notice concerns unpaid property taxes, do not use these mortgage-foreclosure notice or redemption deadlines to work out the tax-sale date. Follow the current tax notice and contact the office named on it.

What happens next

1. 1. Contact us. Call or use the form with the property address and the date or instructions on your notice.
2. 2. Review the written offer and terms. We give written cash offers in 24 hours. You can read the written terms before you commit.
3. 3. Work through payoff and title. The title company reviews ownership, liens, taxes, and the amounts needed to close. If a postponement is needed, we use the agreement to ask for it; signing alone does not change the sale date.
4. 4. Work toward closing. If the required payoff and closing steps can be completed, the title company coordinates the 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.

Local help in Mobile County

Mobile is in Mobile County. For a property-tax account, assessment, or property-search question, contact the county Revenue Commission. A mortgage foreclosure notice and a property-tax notice have separate dates; use the notice and office for the process in front of you.

Questions and contact

Estimate possible sale proceeds with the Mobile calculator → Use it as a planning tool alongside the written offer and terms.

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

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