Sault Ste. Marie, MI · Chippewa County / Foreclosure
Can I Sell My Sault Ste. Marie House in Foreclosure?
If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it. If the sale has happened, a redemption period may apply; its deadline and amount depend on the property and sale.
USA Home Buyers buys houses as-is in Sault Ste. Marie and Chippewa County, Michigan. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 — we answer 24/7.
We give written cash offers in 24 hours.
Share the Sault Ste. Marie property address and the mortgage or property-tax notice you have.
How we help work toward a closing
If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it. We review the house, the notice or sale date, current payoff information, title, and the time available. If you want to move forward, we give you a written offer and written terms before you commit; the closing is through a title company.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Which sale is involved?
A Michigan mortgage foreclosure auction is commonly called a sheriff's sale. If the sale has already happened, a post-sale redemption period may apply. In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just the missed payments. Have a title company or attorney confirm the sale status, exact deadline, and amount before relying on a closing date.
Michigan law describes the public mortgage sale in MCL 600.3216, adjournments in MCL 600.3220, and redemption amounts and periods in MCL 600.3240.
Property-tax forfeiture and foreclosure are separate from mortgage foreclosure. Each process has its own notices and deadlines. A mortgage sheriff's-sale date or redemption period is not a property-tax deadline, and a property-tax notice does not change a mortgage sale date. Follow each notice separately and check property-tax questions with the Chippewa County Treasurer.
For an overview of Michigan mortgage-foreclosure stages, read the Michigan State Housing Development Authority's stages of foreclosure guide.
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.
Ask your lender for a current payoff. The title company can review that figure with the property's title and other amounts needed for closing.
What happens next
- Call or use the form with the Sault Ste. Marie property address and the mortgage or property-tax notice you have.
- We review the house as-is and give you a written cash offer and written terms before you commit.
- If you choose to proceed, a title company reviews ownership, mortgage payoff, liens, back taxes, your share of current property taxes, and the closing details.
- The title company coordinates the closing. When you sell to us, we pay the closing costs, including Michigan state and county real estate transfer taxes. Mortgage payoffs, liens, back taxes, and your share of current property taxes are separate amounts.
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.
Chippewa County and Michigan foreclosure help
Chippewa County's Treasurer is the local contact route for delinquent-property-tax information and County foreclosure resources. The office is at 319 Court Street, Sault Ste. Marie, MI 49783; call 906-635-6308. Check the official page for current contact instructions and parcel-specific information.
Chippewa County Treasurer information →
For Michigan mortgage-foreclosure stages, see the Michigan State Housing Development Authority guide.
Questions and contact
Use your own payoff and costs to estimate possible sale proceeds. The calculator is a planning estimate, not a property-specific offer or title-company settlement statement. Estimate possible proceeds with the Sault Ste. Marie home-sale calculator →
Call USA Home Buyers at 888-274-5006 or send the property address and notice using the form.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions about foreclosure in Sault Ste. Marie, MI
Can I sell my Sault Ste. Marie house before a mortgage sheriff's sale?
A sale may still be possible if the required payoff, title work, and closing can be completed before the applicable deadline. If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it. Have a title company or attorney confirm the sale status and exact deadline for the property.
What if the Michigan sheriff sale has already happened?
A redemption period may still apply after the sale. In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just the missed payments. Have a title company or attorney confirm the sale status, exact deadline, and amount needed.
Is a Chippewa County property-tax foreclosure the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns a home loan; property-tax forfeiture and foreclosure are separate processes with different notices and deadlines. Do not use a mortgage sheriff-sale date or redemption period as a property-tax deadline. Follow the tax notice and contact the Chippewa County Treasurer about the parcel.
What if the 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. Ask your lender for a current payoff so the title and payoff details can be reviewed for your property.
Do I need to pay back taxes or liens before selling to you?
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. Mortgage payoffs and your share of current property taxes are separate amounts. A property-tax notice still has its own deadline; check it with the County Treasurer.
We give written cash offers in 24 hours.
Share the Sault Ste. Marie property address and the mortgage or property-tax notice you have.