Pontiac, Michigan · Oakland County / Foreclosure
Can I Sell My Pontiac House in Foreclosure?
Our agreement of sale will often get a sheriff's 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.
Yes. A sale may still be possible if the required payoff or redemption can be completed before the applicable deadline. Michigan mortgage foreclosure auctions are commonly called sheriff’s sales. If a sheriff’s sale has already happened, a redemption period may apply; the time and amount depend on the property and foreclosure. We buy houses in Pontiac and Oakland County, Michigan, as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call USA Home Buyers at 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and what you know about the foreclosure notice or sale date.
How we help you work toward closing
Tell us the Pontiac property address and what notice or sale date you have. We review the house as-is and give you a written offer and written terms before you commit. If you want to move forward, we work with a title company on ownership, title, payoff information, and closing details.
Our agreement of sale will often get a sheriff's 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. Keep treating the scheduled date as current until the office handling the sale confirms a change.
Mortgage foreclosure or property-tax matter?
A mortgage foreclosure is about the mortgage debt. In Michigan, mortgage foreclosure auctions are commonly called sheriff’s sales. For a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just missed payments. A title company or attorney can confirm the sale status, exact deadline, and amount before you rely on a closing date.
Delinquent property taxes follow a separate process with separate notices and deadlines. A mortgage sheriff’s-sale date or redemption period does not tell you the deadline for a property-tax matter. Follow the tax notice and ask the office handling that account.
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.
The lender confirms its current payoff. The title company can review the payoff and any recorded liens as the sale is considered.
What happens next
- Contact us with the property address and the notice or sale date you have.
- We review the house and give you a written cash offer and written terms before you commit.
- If you choose to proceed, a title company reviews ownership, title, and payoff details; the lender or tax office confirms its current amount due.
- We work toward closing through the title company and the requirements for the property. Confirm the exact sale or redemption deadline with the title company or an attorney.
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 Michigan state and county real estate transfer taxes. This does not pay your mortgage balance, liens, back taxes, or your share of current property taxes; those are separate settlement items.
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.
Oakland County and Pontiac resources
The offices below are in Pontiac. The county Treasurer handles county tax and delinquent-tax questions; the City Treasurer handles City property-tax billing and payment questions. For a mortgage sale date, use the current notice and confirm its status with the office handling the sale.
- Michigan State Housing Development Authority: Stages of Foreclosure — state information about the mortgage-foreclosure process.
- Oakland County Treasurer: Property Taxes — 1200 North Telegraph Road, Pontiac, MI 48341; 248-858-0611.
- City of Pontiac Treasurer — 47450 Woodward Avenue, first floor, Pontiac, MI 48342; 248-758-3062.
- Michigan Compiled Laws §600.3240 — redemption periods and amounts.
- Michigan Compiled Laws §600.3220 — adjournment of a mortgage foreclosure sale.
Questions and contact
Call 888-274-5006 or send the property address through the form. You can contact us even if you are still sorting out the notice or payoff.
Estimate possible sale proceeds with the Pontiac home-sale calculator → It is a planning estimate, not a property-specific offer or payoff figure.
Read USA Home Buyers reviews for Pontiac →
Foreclosure questions from Pontiac homeowners
Can I sell my Pontiac house before a sheriff’s sale?
Yes. A sale may still be possible if the required payoff or redemption can be completed before the applicable deadline. Our agreement of sale will often get a sheriff's 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. Confirm the current sale status, deadline, and amount with the title company or an attorney before relying on a closing date.
Can I sell after a Michigan sheriff’s sale?
A redemption period may apply after the sale. In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just missed payments. Have the title company or an attorney confirm the exact deadline and amount for the property.
Is a property-tax foreclosure the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns the mortgage debt and its sheriff’s-sale date. Delinquent property taxes follow a separate process with separate notices and deadlines. Follow the property-tax notice and contact the tax office about that account; do not use a mortgage-sale date or redemption period for the tax matter.
What if the mortgage payoff is more than my Pontiac house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A current payoff and title review show the amounts that would need to be addressed for this property.
Do I need to pay back taxes or liens before selling to 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. When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate settlement items; closing costs do not pay them.
What happens after I ask for an offer?
We review the property and the information you have about the notice, sale date, payoff, and title. You receive a written offer and written terms before you commit. If you choose to proceed, we work with a title company on the title, payoff, and closing details.
Talk through the Pontiac property
Call 888-274-5006 or use the form. Start with the address and the information you have about the property.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property details and what is happening with the notice or sale date.