Can I Sell My House in Foreclosure in Ponca City, OK?

How we help you work toward closing

We look at the house as it stands. You don't fix anything — not one thing. You get a written offer and written terms before you commit, and we close through a title company.

If you choose to move forward, we work with the title company on title and payoff details. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. We can review the notice and sale date 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.

No fees. No agent commissions when you sell to us.

Which sale is involved: mortgage foreclosure or tax sale?

Oklahoma has court foreclosure and a separate power-of-sale process when the mortgage allows it. In a power-of-sale case, the lender must send a notice of intent, and the law generally gives the borrower 35 days to cure. A separate sale notice is generally served and published at least 30 days before the sale. A homestead borrower may elect court foreclosure by timely notice at least 10 days before the power-of-sale auction. If your foreclosure is in court, the court's schedule sets the dates.

These rules are in Oklahoma Statutes §§46-43 through 46-47 on foreclosure notices and sales . We can read the notice and sale date with you.

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 can review the payoff and other liens with the title company as we work through the sale.

What happens next

1. Call us or use the form, and we can talk through the notice and sale date with you.
2. We review the house as-is and give you a written offer and written terms before you commit.
3. If you want to move forward, we work with the title company on title and payoff details. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
4. Close as fast as 7 days when title and closing details allow.

When you sell to us, we pay the closing costs, including Oklahoma documentary stamp tax. Your mortgage payoff, liens, back taxes, and 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.

Local help in Kay County

If your mortgage foreclosure is in court, the Kay County Court Clerk can help with the court file. We can review the notice and sale date with you, too. A property-tax sale has a separate notice and deadline.

• Kay County Court Clerk →

Questions and contact

Compare possible sale proceeds using your own assumptions with the Ponca City home-sale net proceeds calculator . It is a planning estimate, not a property-specific offer or payoff figure.