Picayune, MS Foreclosure
Can I Sell My Picayune House in Foreclosure?
Yes. You may still be able to sell before the scheduled mortgage sale if the payoff, title, and closing steps can be completed in time. Most Mississippi deed-of-trust foreclosures proceed without a court case. After a completed nonjudicial sale under Mississippi law, there is no right of redemption.
USA Home Buyers buys houses in the City of Picayune and Pearl River County, Mississippi. 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. Call or use the form to ask for a cash offer.
We answer 24/7 at 888-274-5006.
We give written cash offers in 24 hours.
Tell us about the property and the foreclosure or tax-sale notice you received.
How we help you work toward closing
We review the house as-is and give you a written offer and written terms before you decide whether to commit. If you choose to proceed, the title company reviews ownership, payoff information, liens, and the requirements for closing.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Mortgage foreclosure and County tax sale are different
Most Mississippi deed-of-trust foreclosures proceed nonjudicially under Miss. Code Ann. §89-1-55. The trustee must post notice at the courthouse, publish it for three consecutive weeks, and hold the sale at the courthouse door. The notice and sale date show what is scheduled. After a completed nonjudicial sale under this section, there is no right of redemption. Check the deed of trust, notice, and sale date promptly.
A Pearl River County delinquent-property-tax sale is a separate process with its own notice and dates. A mortgage-foreclosure date or postponement request does not change a tax-sale deadline. Use the notice for the sale you are facing and the County's online tax-sale information for County tax sales.
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 will look at the mortgage payoff and title details with you. 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.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items.
What happens next
- 1. Contact us. Call or use the form to tell us about the house and the notice; we will talk through the timing with you.
- 2. Review the written terms. We review the house and share a written offer and terms before you decide whether to commit.
- 3. Work through title and payoff. If you choose to proceed, we and the title company review ownership, payoff information, liens, and closing details.
- 4. Work toward closing. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. If the payoff, title, and timing work, we move toward closing through a title company. When you sell to us, we pay the closing costs. Mortgage payoffs, liens, back taxes, and your share of current property taxes are separate.
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.
Pearl River County tax-sale and property-record information
For a County delinquent-tax-sale notice, the County's online tax-sale information covers County tax sales. The Tax Assessor & Collector lists its Picayune office at 917 Goodyear Boulevard and 601-749-7700 for property-tax questions.
For Pearl River County land-record and recording questions, the Chancery Clerk lists its Picayune office at 917 Goodyear Boulevard and 601-749-7734.
Pearl River County Tax Assessor & Collector · Pearl River County Chancery Clerk
Compare possible sale proceeds
Use your own sale and payoff assumptions to estimate possible net proceeds. A calculator is a planning estimate, not a property-specific offer.
Open the Picayune home-sale net-proceeds calculator →Questions about foreclosure in Picayune, MS
Can I sell my Picayune house before a mortgage foreclosure sale?
Possibly. You may still be able to sell before the trustee sale if there is time to work through the payoff, title, and closing. Call us and we will review the timing with you.
Is a Pearl River County tax sale the same as a mortgage foreclosure?
No. A delinquent-property-tax sale is separate from a mortgage foreclosure, with its own notice and dates. Do not use a mortgage-sale date or postponement request as the deadline for a tax sale; follow the tax-sale notice and Pearl River County information.
What if my mortgage payoff is more than my Picayune house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. We can review the current payoff and title details with you; any lender decision is specific to the lender, property, and case.
What happens after I contact USA Home Buyers?
We review the property and the timing you share, then give you a written offer and written terms before you commit. If you choose to proceed, closing is through a title company, which works through title, payoff information, and closing details.
Call 888-274-5006 to talk about the property. Read our Google reviews.