Rome, GA / Floyd County · Foreclosure
Can I Sell My Rome House Before Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. You can sell before a mortgage foreclosure sale.
USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in Rome and Floyd County, Georgia. Call 888-274-5006 to ask for a cash offer and talk through the notice.
We answer 24/7 at 888-274-5006.
How we help with a Rome foreclosure sale
You get a written offer and written terms before you commit, and we close through a title company. We work through title and payoff details with you as we move toward closing.
No agent commissions when you sell to us. No fees. When you sell to us, we pay the closing costs, including Georgia real-estate transfer tax. Your mortgage payoff, other liens, back taxes, and share of current property taxes are separate from those closing costs.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Georgia mortgage foreclosure timing
For a Georgia power-of-sale mortgage foreclosure, the sale is held on the first Tuesday of the month at the county courthouse. Notice must be published once a week for four weeks, and the lender must send the borrower notice at least 30 days before the sale. See Georgia law on the power-of-sale process and notice requirements.
After a completed, valid power-of-sale foreclosure, there is no post-sale redemption period.
Mortgage foreclosure and tax sale are separate
A mortgage foreclosure concerns mortgage or security-deed debt. A Floyd County tax sale concerns unpaid property taxes. They have separate notices and sale dates. If you have both notices, tell us about both when you call.
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 mortgage payoff with you and work through title and payoff details with the title company as part of the sale.
What happens next
- Call us or use the form and tell us about the Rome house and the notice you received.
- We talk through the house and your timing, then give you written offer terms before you commit.
- If you want to sell, we work with a title company on title, payoff, and lien details toward closing.
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.
Floyd County property-tax questions
For Floyd County property-tax account questions, contact the Floyd County Tax Commissioner.
Compare possible sale proceeds
Use your own estimates in the Rome calculator to compare possible proceeds. It is a planning tool, not a property-specific offer or payoff statement.
Estimate possible sale proceeds with the Rome calculator →Rome GA foreclosure questions
Can I sell my Rome house before a mortgage foreclosure sale?
Yes, you can sell before the sale. If you have a sale date, call us now so we can talk through the timing.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure concerns mortgage or security-deed debt; a Floyd County tax sale concerns unpaid property taxes. They have separate notices and sale dates.
What if the mortgage payoff is more than my Rome house is worth?
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 and work through title details with you as part of the sale.
What happens after I contact USA Home Buyers?
Call us or use the form and tell us about the Rome house and the notice you received. You get written offer terms before you commit. If you choose to sell, we work with a title company on title and payoff details toward closing. Close as fast as 7 days when title and closing details allow.
Talk through the foreclosure notice
Call 888-274-5006 or use the form to tell us about the Rome house and the date on your notice. We answer 24/7.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.