Richmond, VA › Foreclosure
Can I sell my Richmond, VA house before foreclosure?
Yes. If the sale closes and pays off the loan before the trustee's sale, you can sell rather than wait for the auction. Call us right away; we'll look at the notice and payoff with you. We buy houses as-is in Richmond, Virginia, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call USA Home Buyers: 888-274-5006How we can help before the trustee's sale
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We'll review the notice and payoff with you and work toward closing before the sale date. You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow. No agent commissions when you sell to us. No fees.
Mortgage foreclosure and tax sales have different deadlines
In Virginia, a mortgage foreclosure is usually a trustee's sale under a deed of trust, without a court case. For a home you live in, written notice generally must go to the owner at least 60 days before the sale; for other property, generally 14 days. The sale must also be advertised in a local newspaper. A trustee can postpone the sale, and a postponed sale must be advertised again. Until you receive a new date in writing, plan around the date on your notice. Your sale must close and pay off the loan before the auction; after the trustee's sale, don't count on getting the house back.
A sale for unpaid Richmond real-estate taxes follows a separate process with its own deadlines. Not sure which notice you have? Call us — we'll sort it out with you.
Virginia's rules for trustee-sale notice, advertising and postponement are in Va. Code §55.1-320, §55.1-321, and §55.1-322.
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, liens and other amounts due with the title company to understand what the sale may leave for you.
Use the Richmond home-sale net proceeds calculator → to compare a net-proceeds estimate with your mortgage payoff.
What happens next
- Call us or use the form; we can talk through the sale notice with you.
- We give written cash offers in 24 hours. You get a written offer and written terms before you commit, and we close through a title company.
- We work with the title company to confirm the payoff and review title, then keep moving toward closing.
- When you sell to us, we pay the closing costs, including Virginia state and local recordation taxes, grantor tax and any applicable regional WMATA capital fee, regional congestion relief fee or regional transportation improvement fee.
The mortgage payoff, liens, back taxes and your share of current property taxes are separate from the closing costs we pay and can affect what remains for you.
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.
Richmond deed records
Richmond is an independent city, and the Circuit Court Clerk keeps the city's deed records. When we buy a house, our title company checks the ownership records and payoff as we work toward closing.
- Richmond Office of the Circuit Court Clerk — official court-clerk office information.
- Richmond Circuit Court Clerk — Deeds — official deeds and land-records office.
Questions and contact
Call 888-274-5006 or use the form below. You can also visit the Richmond seller resources or return to the Richmond market page.
Foreclosure questions in Richmond, Virginia
Is a mortgage trustee sale the same as a Richmond tax sale?
No. A mortgage trustee sale follows a deed of trust; a sale for unpaid Richmond real-estate taxes follows a separate process with its own deadlines. Not sure which notice you have? Call us — we'll sort it out with you.
What if the mortgage 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.
What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Prices, timing and your selling options
Home prices in Richmond
Homes in Richmond, VA sold for a median of $401,199 for the three months ending September 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in Richmond, VA spent a median of 17 days on the market for the three months ending September 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.