Portland, ME / Foreclosure
Can I Sell My Portland House in Foreclosure?
If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends.
Yes, you may still be able to sell before a Maine mortgage-foreclosure sale. We buy houses as-is in Portland and Cumberland County, in any condition. The stage of the case matters: after judgment, the redemption period—not the later public sale—is the deadline to focus on.
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.
Tell us about the house and where the foreclosure case stands.
Maine mortgage-foreclosure deadlines
Before a court case, a lender on a home loan for the house you live in must give you written notice and at least 35 days to catch up. Read the state’s 35-day notice rule.
Once you are sued, if you live in a 1–4 unit home, you can ask for mediation through the court’s Foreclosure Diversion Program within 20 days of getting the court papers. If mediation is scheduled, no final judgment can issue until the mediator’s report is done. The rule is in 14 M.R.S. §6321-A.
If the court rules for the lender, the redemption period is usually 90 days from judgment. During that time, you can pay what the court says is owed, and a sale that closes in time may pay off the loan. When the redemption period ends, your right to pay it off ends. The lender then advertises a public sale, held 30 to 45 days after the first ad. See Maine’s rules for the judgment and redemption period and the public sale after redemption.
Mortgage foreclosure or tax sale?
A mortgage foreclosure is a lender’s court case. A notice about unpaid property taxes is a separate tax matter. The 35-day notice, mediation, redemption, and public-sale timing above describe mortgage foreclosure—not a tax-sale timetable. If your notice concerns property taxes, follow it and contact the municipality named on it.
How we help
USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in Portland and Cumberland County. You can call or use the form while you’re checking the court date; you don’t have to wait until you have every answer.
We put the offer and terms in writing before you commit, and the closing is through a title company. When you sell to us, we pay the closing costs, including the real estate transfer tax. That is separate from the mortgage payoff, liens, back taxes, and your share of current property taxes.
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. The mortgage payoff and your current property-tax share remain separate items for the closing statement.
If the payoff is more than the house is worth
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
A title company can help confirm the current payoff and recorded liens so you can review them against the written offer before deciding.
What happens next
- Tell us the Portland address and where you are in the court process. You can call or send the form now.
- We review the house and give you a written cash offer and written terms before you commit.
- If you want to move forward, the title company checks title and payoff details and prepares the closing. If the court has entered judgment, we work to close before the redemption period ends.
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 Portland and Cumberland County
The Maine Judicial Branch’s Foreclosure Diversion Program explains the court mediation process. For recorded land documents, use the Cumberland County Registry of Deeds.
Use the Portland home-sale calculator to compare possible sale proceeds. It is an estimate, not a property-specific offer.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and where things stand.
Foreclosure questions in Portland, ME
How long is Maine’s foreclosure redemption period?
After a Maine mortgage-foreclosure judgment, the redemption period is usually 90 days from the judgment. During that period, you can pay the amount the court says is owed; a sale that closes in time may provide the funds. When the period ends, your right to pay off the loan ends. The lender then advertises a public sale, held 30 to 45 days after the first advertisement.
Can I request foreclosure mediation in Maine?
If you live in a 1–4 unit home and have been served with the court papers, you can ask for mediation through Maine’s Foreclosure Diversion Program within 20 days of receiving them. If mediation is scheduled, the court cannot enter a final judgment until the mediator’s report is complete.
Is a tax-sale notice the same as a mortgage-foreclosure case?
No. The notice, mediation, redemption, and public-sale timing described here is for a lender’s mortgage-foreclosure case. If your notice concerns unpaid property taxes instead, follow the notice and contact the municipality named on it; do not use the mortgage deadlines as a tax-sale timetable.
What if the payoff is more than my Portland house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The current payoff and title details still need to be reviewed for the sale.
Where can I check Cumberland County land records?
The Cumberland County Registry of Deeds is the county land-records office.