Roanoke, VA › Foreclosure
Can I Sell My Roanoke House Before Foreclosure?
Our agreement of sale will often get a trustee'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.
Often, yes: you may still be able to sell if the sale closes and pays off the loan before the trustee's sale. Virginia home foreclosures are usually trustee's sales under a deed of trust, where the trustee auctions the house without a court case. The sale date and payoff are specific to your property, so confirm both before relying on a closing plan.
Call USA Home Buyers: 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. We review it as-is and put the offer in writing if it fits.
How we help you work toward closing
USA Home Buyers buys houses as-is in the City of Roanoke, Virginia (Roanoke city). We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We review the property and the timing you are facing, then give you a written offer and written terms before you commit. If you decide to move ahead, the closing goes through a title company, which works through the current payoff and title details.
We work toward a closing before the trustee's sale by reviewing the offer, title details, and payoff. Confirm the current sale date with the trustee, title company, or an attorney before relying on a closing plan.
Mortgage foreclosure and tax sale are different
The trustee's sale discussed here is tied to a mortgage loan secured by a deed of trust. A sale notice for unpaid real-estate taxes is a separate matter, not the mortgage trustee's sale described here. Keep the notices and deadlines separate: the Virginia mortgage-sale notice periods below do not tell you the deadline for a tax sale. Follow the dates and contact instructions on the notice you received.
Virginia trustee's sale notices and dates
For an owner-occupied home, written notice of the trustee's sale generally must go to the owner at least 60 days before the sale; for other property, the notice period is generally 14 days. The sale must also be advertised in a local newspaper. The trustee can postpone a sale, and a postponed sale must be advertised again.
Do not count on buying the house back after the sale. Do not assume the scheduled date has moved, either. Ask the title company or an attorney to confirm the current sale date and payoff amount.
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.
Get the current payoff figure and have the title details reviewed. The loan payoff, other liens, back taxes, and your share of current property taxes are separate items to check for your closing.
What happens next
- 1. Contact us. Call 888-274-5006 or send the property address through the form. We can start with what you know about the house and the deadline.
- 2. Review the offer and written terms. We review the house as-is and provide written terms before you commit.
- 3. Work through title and payoff. If you choose to proceed, the title company checks the current payoff and title details and coordinates the closing.
- 4. Confirm the sale date. Ask the trustee, title company, or an attorney to confirm the current date and any postponement.
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 Roanoke city information
The City of Roanoke identifies its Clerk of Circuit Court on the official city page. Virginia Courts also lists the Roanoke city Circuit Court. These are local court-office references, not a trustee-sale schedule; use the trustee's notice to confirm a mortgage sale date.
Compare a cash sale with your options
Use the Roanoke home-sale calculator to estimate possible proceeds with your own assumptions. It is a planning estimate, not a written offer for your property.
Open the Roanoke home-sale calculator →We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
We buy houses as-is. You will see written terms before you commit.
What sellers say about USA Home Buyers
Questions about selling before foreclosure in Roanoke
Can I sell my Roanoke house before a trustee’s sale?
Often, yes, if the sale closes and pays off the loan before the foreclosure sale. The current sale date and payoff need to be confirmed; do not assume a date has changed.
Does signing an agreement automatically postpone the trustee’s sale?
Our agreement of sale will often get a trustee'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.
What if the payoff is more than my Roanoke 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 a possible closing.
Is a mortgage foreclosure the same as a tax sale?
No. This page covers a mortgage foreclosure under a deed of trust and the trustee’s sale notice rules. A notice about unpaid real-estate taxes is a separate matter with its own process and deadlines; follow the dates and contact instructions on that notice.
Do I have to repair or clean the house before selling to you?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You don't fix anything — not one thing.
Questions? Call 888-274-5006.