Sacramento, CA › Foreclosure
Can I Sell My Sacramento House in Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, yes: you may still sell before a California mortgage trustee's sale if the payoff, title work, and closing can be completed in time. The current sale date, payoff, and title requirements for your property control; an offer does not change the trustee's date.
We buy houses as-is in the City of Sacramento and Sacramento County. Call 888-274-5006 or send the property address through the form.
Call 888-274-5006We give written cash offers in 24 hours.
We'll give you a written cash offer within 24 hours.
How we can help with a Sacramento house
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in the City of Sacramento and Sacramento County. You receive a written offer and written terms before you commit, and a title company handles the closing.
When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate items; the title company confirms the figures for the property.
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. The recorded claims and available sale proceeds still have to be reviewed for the specific property.
Mortgage trustee sale or property-tax sale?
California home loans commonly use a deed of trust. Most mortgage foreclosures are nonjudicial: the trustee named in the deed of trust runs the process without a court lawsuit. A Sacramento County tax-default sale is a different process, with its own notices and dates. The mortgage deadlines below do not tell you the deadline for a tax sale; follow the County and the instructions on the notice you received.
For a mortgage foreclosure, the trustee records a notice of default. After a 90-day cure period, a notice of sale can follow; it must be posted, published, and recorded at least 20 days before the sale. The sale is a public auction called a trustee's sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. There is no right of redemption after a nonjudicial trustee's sale.
A trustee can postpone a sale in some circumstances. For a one-to-four-unit home, California law also allows limited 45-day postponements tied to a broker listing and a qualifying purchase agreement. Do not assume a sale date has changed: confirm it with the trustee, lender, title company, or an attorney.
- California Courts: Your rights in a nonjudicial foreclosure
- California Civil Code section 2924c: reinstatement
- California Civil Code section 2924f: notice and postponements
- California Civil Code section 2924g: trustee's sale and postponements
- California Department of Real Estate: Homeowner's Guide to Foreclosure
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. Start with a current lender payoff; a title company can help identify recorded liens and closing figures. What can be worked out depends on the loan and sale.
What happens next
- Contact us with the property address and the trustee's sale date, if one is scheduled.
- We review the house and provide written cash-offer terms before you commit.
- A title company checks title, the payoff, recorded liens, and closing figures with you.
- If you accept and the required steps can be completed in time, the title company coordinates closing.
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.
Sacramento County records and sale information
For a property-tax sale, use the County Treasurer-Tax Collector's tax-sale information and the deadlines on your own notice; those are not mortgage trustee-sale dates. For a mortgage foreclosure, check the current date with the trustee named on the notice. County parcel and recorded-document lookups can help identify records, but they do not determine your title or legal rights.
- Sacramento County Treasurer-Tax Collector: Tax Sales for County tax-sale information.
- Sacramento County Clerk/Recorder locations and hours; the Main Office is at 3636 American River Drive, Suite 110, Sacramento, CA 95864. Confirm current hours and recording instructions with the County.
- Sacramento County Assessor's Parcel Viewer for parcel information; an Assessor lookup is not a property-specific title conclusion.
- For a property inside Sacramento city limits, the City of Sacramento Finance Division's Real Property Transfer Tax page covers the City tax, not the County tax. The title company can confirm which transfer taxes apply to the property.
Foreclosure questions and contact
Questions about foreclosure in Sacramento
Can I sell my Sacramento house before a trustee's sale?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. A sale may be possible if the payoff, title work, and closing can be completed in time. Confirm the current date and payoff with the trustee or lender and a title company.
What are the California mortgage-foreclosure deadlines?
After the trustee records a notice of default, a 90-day cure period comes before a notice of sale can follow. The notice of sale must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. Confirm the dates and figures for your property.
Is a Sacramento County tax sale the same as a mortgage trustee sale?
No. A mortgage foreclosure and a tax-default sale are separate processes with separate notices and dates. Do not apply mortgage trustee-sale deadlines to a tax-sale notice; use the Sacramento County Tax Sales information and follow the instructions on your notice.
What if my payoff is more than my Sacramento house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Start with a current lender payoff and a title review of recorded liens and closing figures.
Estimate possible sale proceeds with the Sacramento calculator → It is a planning estimate, not an offer for your property.
Read seller reviews and review information for Sacramento.
We give written cash offers in 24 hours.
We'll give you a written cash offer within 24 hours.
Read more about selling a house in Sacramento or visit the Sacramento seller resources.