Can I Sell My Post Falls House Before Foreclosure?

How we help you work toward closing

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.

If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.

No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs.

Idaho has no state real estate transfer tax. Kootenai County charges $15 to record a deed of up to 30 pages. Read the County’s recording documents and fee details and Idaho Title 63. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from those closing costs; we can review the payoff figures with you.

Mortgage foreclosure and tax sales have different deadlines

If your home loan uses a deed of trust, the lender can foreclose without a court case or choose a court foreclosure. In the deed-of-trust process, the lender records and mails a notice of default. A trustee’s sale cannot happen until at least 120 days after the notice of sale is mailed. Read Idaho Code §45-1503, §45-1505 and §45-1506.

You can usually reinstate the loan within 115 days after the notice of default is recorded by paying the overdue amount and allowed costs and fees. Principal that would not be due without the default is excluded; any amount already due still has to be paid. That deadline and the 120-day sale notice period run from different notices.

Idaho requires a notice in a contract to sell during a trustee-sale foreclosure. You have five business days to cancel, and no money or interest in the house can change hands until those five business days pass. See Idaho Code §45-1602 and §45-1603.

After a trustee’s sale, you do not have a right to buy the house back. If the lender forecloses through court, you can generally redeem within six months after the sale, or one year if the land is more than 20 acres. See Idaho Code §45-1508 and §11-402.

A tax sale for unpaid property taxes is separate from a mortgage foreclosure and has its own notice and date. Kootenai County Treasurer provides property-tax and tax-sale information.

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.

What happens next

1. Call or send us the Post Falls property address and the date on your notice.
2. You get a written offer and written terms before you commit, and we close through a title company.
3. We review title and payoff details with the title company and work toward closing.
4. 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.

Kootenai County tax-sale information

Post Falls is in Kootenai County. The County Treasurer shares property-tax and tax-sale information; call 208-446-1005 or visit the office at 451 Government Way in Coeur d’Alene.

You can also call 888-274-5006 and talk through the notice or payoff with us.

Questions and contact

Call 888-274-5006 or send the property details in the form.

Compare possible sale proceeds with the Post Falls home-sale net-proceeds calculator.