Can I sell my Mount Airy house before foreclosure?

How we can help

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We review the property and put the offer and terms in writing before you commit. If you decide to move ahead, the closing is handled by a title company.

When you sell to us, we pay the closing costs, including North Carolina's excise tax on conveyances. Your mortgage, liens, back taxes, and share of current property taxes are separate payoff or tax-allocation items.

Which sale is on your notice?

A mortgage foreclosure is about a default on a loan secured by the house. A property-tax sale is a separate process tied to unpaid property taxes. The mortgage deadlines below do not set the deadline for a tax case; follow the actual notice and contact information for that case.

North Carolina mortgage foreclosure steps

1. Before the hearing. Many North Carolina home loans use a deed of trust, which lets a lender seek foreclosure through a hearing before the clerk of superior court rather than a lawsuit. For a qualifying loan on your main home, the servicer must mail notice at least 45 days before filing for the hearing. That notice rule does not cover every loan, including home-equity lines and reverse mortgages.
2. At the hearing. The hearing notice must be served at least 10 days ahead. The clerk checks whether there is a valid debt and default, the right to foreclose, and proper notice. If the clerk allows the foreclosure to proceed, you have 10 days to appeal.
3. Notice and auction. The notice of sale is posted at the courthouse for at least 20 days and published in a newspaper once a week for two weeks. The sale is a public auction.
4. Upset bids and when the sale is final. For 10 days after the sale report is filed with the clerk, someone can make an upset bid at least 5% above the high bid and at least $750 more. Each new upset bid starts another 10-day period. If the last day falls when the clerk's office is closed, the deadline moves to its next open day. Until the final upset-bid period ends, paying the loan and sale costs in full stops the foreclosure. If a 10-day period ends with no new bid, the sale is final.

Official details: the North Carolina Judicial Branch foreclosure guide, G.S. 45-102, G.S. 45-21.16, G.S. Article 2A and G.S. 45-21.20.

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 a current payoff statement so the amount due can be reviewed against the sale terms.

What happens next

1. 1. Tell us the property address and the date on your foreclosure notice. You can call or use the form.
2. 2. We review the house as-is and give you a written offer and terms before you decide.
3. 3. If you want to proceed, a title company reviews the ownership and closing file, requests payoff figures, and works with the parties on the closing details.
4. 4. You compare the written terms and the confirmed payoff against your deadline; the actual court, lender, and title records control the timing.

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 court and property-record help

Use the date and case information on your notice. The official Surry County court page is a starting point for local court contacts. For recorded deed and property-record questions, contact the Surry County Register of Deeds. The county office does not replace the court notice or lender payoff statement.

Questions and next steps

Compare possible sale proceeds with the Mount Airy home-sale net proceeds calculator. The calculator is an estimate, not a payoff quote or property-specific offer.

You can also call USA Home Buyers at 888-274-5006.