Pawtucket, RI · Providence County Foreclosure
Can I Sell My Pawtucket House Before Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes, if a sale can close before the auction and the mortgage payoff can be addressed. Rhode Island lenders may foreclose through court or use a power-of-sale clause in the mortgage. Share the date on your notice so we can talk through the timing with you.
We answer 24/7 at 888-274-5006.
We give written cash offers in 24 hours.
Tell us about the house and the foreclosure or tax-sale notice you have.
How we help you work toward closing
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
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 fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs, including Rhode Island's real estate conveyance tax.
Mortgage foreclosure and tax sale are different
A mortgage foreclosure concerns the home loan. In Rhode Island, a lender may use a power-of-sale clause without filing a court case, or foreclose through court. A Pawtucket tax sale is a separate process for unpaid property taxes, with its own notice and date. If you have a tax-sale notice, tell us the date and contact the Pawtucket Tax Collector about the tax account.
For a covered first mortgage on an owner-occupied home with one to four units, the lender generally must take part in free mediation through a Rhode Island HUD-approved housing counseling agency before a power-of-sale foreclosure. Reverse mortgages, defaults on or before May 16, 2013, and other statutory exceptions are excluded. The conference is scheduled within 60 days after the notice is mailed.
In a typical homeowner power-of-sale case, the lender mails notice by certified mail at least 30 days before the first newspaper notice. The sale notice then runs once a week for three weeks, beginning at least 21 days before the public auction. A completed sale under the statutory power of sale ends the owner's right to redeem the house.
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.
We review the lender's payoff with the title company as part of the closing work.
What happens next
- Call or send the Pawtucket property address and the notice or sale date you have.
- We review the house and give you a written offer and written terms before you commit.
- If you want to proceed, we work with the title company on title, payoff, and closing details.
- We work toward closing before the scheduled sale.
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.
Pawtucket and Rhode Island foreclosure help
Pawtucket's Tax Collector handles city property-tax bills and payments. For a covered mortgage foreclosure, Rhode Island law provides free mediation through a HUD-approved housing counseling agency. Use the HUD search to find a counselor.
- City of Pawtucket Tax Collector — property-tax bills and payments.
- HUD housing counselor search — find a HUD-approved housing counseling agency.
- R.I. Gen. Laws § 34-11-22 — power-of-sale foreclosure and public auction.
- R.I. Gen. Laws § 34-27-9 — foreclosure mediation.
- R.I. Gen. Laws § 34-27-4 — mailed notice and newspaper publication.
- R.I. Gen. Laws § 44-9-1 — municipal tax-sale procedure.
Questions and contact
We answer 24/7 at 888-274-5006. Call or use the form above to tell us what is happening with the Pawtucket house.
Estimate possible sale proceeds with the Pawtucket calculator →
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Foreclosure questions from Pawtucket homeowners
Can I sell my Pawtucket house before a foreclosure sale?
Often, yes, if the sale can close before the auction and the mortgage payoff can be addressed. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Is a mortgage foreclosure the same as a Pawtucket tax sale?
No. Mortgage foreclosure concerns the home loan; a Pawtucket tax sale concerns unpaid property taxes. They have separate notices and dates. Contact the Pawtucket Tax Collector about a city property-tax account, and call us with the notice you have.
Does every Rhode Island mortgage foreclosure include mediation?
No. Free mediation generally applies before a power-of-sale foreclosure on a covered first mortgage for an owner-occupied home with one to four units. Reverse mortgages, defaults on or before May 16, 2013, and other statutory exceptions are excluded. When it applies, the conference is scheduled within 60 days after notice is mailed.
What if the payoff is more than my Pawtucket 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 review the house and the sale notice with you, then give you a written offer and written terms before you commit. If you want to proceed, we work with a title company on title and payoff details and work toward closing.