Can I Sell My Northampton House in Foreclosure?

How we can help before the mortgage auction

We review the house as-is and work toward a closing that fits the actual payoff, title work, and sale schedule. We give you written terms to review before you commit, and if you choose to sell to us, we close through a title company. No listing-agent showings. No agent commissions when you sell to us.

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.

Most Massachusetts mortgage foreclosures use the mortgage's power of sale, without a judge deciding the foreclosure itself. The lender usually files a Servicemembers case in Land Court first; that case checks whether the owner is protected as a servicemember.

Mortgage foreclosure and property-tax sales have different deadlines

A property-tax sale follows a separate municipal tax-collection process. The mortgage right-to-cure period and auction-notice dates below do not set a tax-sale deadline. If your notice concerns unpaid property taxes, tell us and we can include the payoff in the sale figures.

For an eligible owner-occupied home with one to four units, the lender must send a right-to-cure notice and allow 90 days to cure before accelerating the loan. This right is available once in a five-year period. A loan-modification review can extend the period to as long as 150 days for certain riskier loans.

A Massachusetts mortgage foreclosure auction is public and is run by the lender or its agent or attorney. Notice is published once a week for three weeks, starting at least 21 days before the sale, and mailed to the owner at least 14 days before it. The right to redeem ends at the sale. We can review the notice, sale date, and payoff details with you while working toward closing.

• Massachusetts law about mortgage foreclosure
• Land Court answers about Servicemembers cases
• G.L. c. 244, § 35A — right to cure and § 35B — foreclosure-avoidance review
• G.L. c. 244, § 14 — notice and public auction and § 18 — redemption ends at the 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.

To close before a mortgage auction, the required mortgage payoff has to be addressed. 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.

When you sell to us, we pay the closing costs, including the Massachusetts deeds excise. That does not include the mortgage balance, liens, back taxes, or your share of current property taxes; those are separate items handled in the closing figures.

What happens next

1. Call us or use the form to tell us about the house, the notice, and any scheduled auction date.
2. We review the property and notice, then give you a written cash offer and clear written terms before you commit.
3. If you want to proceed, we review title and payoff details with a title company and work toward closing. Close as fast as 7 days when title and closing details allow. 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.
4. At closing, agreed payoff items are handled from the sale, and any proceeds left after them go to you.

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.

Questions and next steps

Estimate possible sale proceeds with the Northampton calculator → The estimate is for planning; it is not a property-specific offer or payoff figure.

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