Punxsutawney PA › Foreclosure
Can I Sell My Punxsutawney House Before a Sheriff Sale?
If your mortgage foreclosure is headed toward a sheriff sale, we can work with you on a sale before it while there is time for payoff, title work, and closing.
We buy houses as-is in the Borough of Punxsutawney and Jefferson County, Pennsylvania.
Call us at 888-274-5006 or use the form. You can call even if you do not have every notice or payoff document yet.
How we help
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what is happening, and we can review the property, discuss a written offer, and work toward closing before the scheduled sale.
If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it.
Which sale is on your notice?
Mortgage foreclosure and sheriff sale
A mortgage foreclosure is a lender's court case. If the case reaches execution, the property may be scheduled for a sheriff sale. The stage of the case, the mortgage payoff, notices, and actual sale date matter; a general timeline cannot tell you the deadline for your house.
For certain delinquent mortgages on a Pennsylvania one- or two-family home that is the borrower's principal residence, the lender must send an Act 91 notice before filing for foreclosure. If you receive one and want to seek HEMAP assistance, meet a designated housing counselor within 33 days; the counselor then has 30 days from that meeting to submit an application to PHFA. HEMAP is a state mortgage-assistance loan program. Selling is another option, and you can call us when the letter arrives. Read PHFA's HEMAP guidance and check the dates on your notice.
Delinquent property-tax sale
A tax sale is separate from a mortgage foreclosure sheriff sale. When property taxes go unpaid, the county can put the house up for a tax sale, and the county's notice gives the date. If a sale closes before that date, delinquent taxes may be paid from the proceeds if enough money remains after other liens and closing costs. Call us as soon as a notice arrives; timing matters. (Real Estate Tax Sale Law, §§601–603.)
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.
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 look at the payoff and sale notice with you. The title company reviews the payoff and other liens as part of the closing.
What happens next
- 1.Tell us the property address and what you know about the mortgage, sheriff-sale date, or tax notice. You can call even if you do not have every paper in front of you.
- 2.We give you a written cash offer and written terms before you commit.
- 3.If you want to move ahead, we work with a title company on ownership, signatures, mortgage payoff, liens, tax claims, and closing details.
- 4.Close as fast as 7 days when title and closing details allow.
When you sell to us, we pay the closing costs. When you sell to us, we pay the transfer tax. No agent commissions when you sell to us. No fees. 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 Jefferson County help
The Jefferson County Sheriff's Office says it conducts sheriff sales monthly. Check its official sheriff-sale information and confirm your current sale date and status with the office and your attorney. For a delinquent tax notice, contact the county's Assessment/Tax Claim office about the account and tax-sale date.
Questions and contact
Use the Punxsutawney home-sale net-proceeds calculator to compare your own written offer, payoff, liens, and estimated deductions. It is a planning estimate, not a property-specific offer or a deadline check.
For more local information, see the Punxsutawney seller questions or the Punxsutawney market page. For general Pennsylvania mortgage-foreclosure information, read the foreclosure guide.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Foreclosure Questions in Jefferson County PA
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is a lender’s court case that can lead to a sheriff sale. A tax sale follows unpaid property taxes, and the county notice gives the sale date. If the house sells before that date, delinquent taxes may be paid from the proceeds if enough remains after other liens and closing costs. Call us when a tax-sale notice arrives, and we can review the date with you.
What if my mortgage payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What does an Act 91 notice mean in Pennsylvania?
For certain delinquent mortgages on a Pennsylvania one- or two-family home that is the borrower’s principal residence, the lender must send an Act 91 notice before filing for foreclosure. If you receive one and want to seek HEMAP assistance, meet a designated housing counselor within 33 days; the counselor then has 30 days from that meeting to submit an application to PHFA. HEMAP is a state mortgage-assistance loan program. Selling is another option, and you can call us when the letter arrives.
Call 888-274-5006 to talk through the property and your notice.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.