How we help with a foreclosure sale
Our agreement of sale will often get a foreclosure sale postponed so we can close. It doesn't always work, but it works more often than people think.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You get a written offer and written terms before you commit, and we close through a title company.
No agent commissions when you sell to us. No fees. When you sell to us, we pay the closing costs, including the Illinois state, county and city transfer taxes.
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 share of current property taxes are part of the sale numbers too; we'll go through them with you.
Mortgage foreclosure and property-tax sale are different
A mortgage foreclosure is a court case over a home loan. A delinquent property-tax sale is a separate process, with its own notices and dates. If you have both types of papers, bring them when you call; we'll look at each timeline with you.
Illinois mortgage-foreclosure law covers the redemption period and sale timing. The normal redemption deadline is before the foreclosure auction, and the court case sets the date and payoff. Illinois Courts provides approved forms for asking a court to stay a mortgage-foreclosure sale.
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.
What happens next
- Call or use the form. We talk through the house, the court papers, the sale date, and the payoff with you.
- You get a written offer and written terms before you commit, and we close through a title company.
- If you choose to sell, we work with the title company on title and payoff details as we work toward closing before the deadline that applies to your case.
- Close as fast as 7 days when title and closing details allow.
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.
Illinois and McLean County help
Illinois Courts has approved mortgage-foreclosure forms, including forms for asking a court to stay a sale. McLean County shares Civil/Probate contact information through the Circuit Clerk. The county's property-tax information page covers tax-sale questions; the Treasurer handles current property-tax bills and payments.
Questions and contact
We answer 24/7 at 888-274-5006. Call with the court papers and sale date, or use the form to tell us what is happening.
Compare possible sale proceeds with the Normal calculator →
Questions about selling before foreclosure in Normal, IL
Can I sell my Normal house during a mortgage foreclosure?
You may still have time if a sale can close and pay the required debt before the deadline in your court case. Illinois mortgage foreclosures go through court, and the normal redemption deadline is before the foreclosure auction. The deadline and payoff depend on the case; paying missed installments and paying the full foreclosure amount are different options. Call us as early as you can with the court papers and sale date.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a court case over a home loan. A delinquent property-tax sale is a separate process, with its own notices and dates. If you have papers for both, we can look at the timelines separately.
What if my mortgage payoff is more than my Normal house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens after I contact USA Home Buyers?
We talk through the house, the foreclosure papers, the sale date, and the payoff with you. You get a written offer and written terms before you commit, and we close through a title company.
We give written cash offers in 24 hours.
Share the address and what is happening with the foreclosure.
What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”