Scranton PA > Foreclosure
Can I sell a house in foreclosure in Scranton, PA?
Signing the agreement alone doesn't postpone the sale; we use it to ask for a postponement. (Pa. R.C.P. 3121.)
Yes. Selling is another option during mortgage foreclosure in Pennsylvania. If you have an Act 91 letter, court papers, or a sheriff-sale notice, call us to discuss the stage you are facing. A delinquent property-tax sale is a separate process with its own notice and date.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in Scranton and Lackawanna County.
Call 888-274-5006We give written cash offers in 24 hours.
Tell us what you know about the notice or payoff. Start there.
How we help you work toward closing
Tell us what is happening with the mortgage or sale notice. We review the property and explain the offer. If you choose to sell, we use the agreement of sale to ask for a postponement while we work toward closing.
You get a written offer and written terms before you commit, and we close through a title company. No agent commissions when you sell to us. When you sell to us, we pay the closing costs. When you sell to us, we pay the transfer tax. No fees. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Mortgage foreclosure and tax sales are different
Mortgage foreclosure and sheriff's sale
For certain delinquent mortgages on a Pennsylvania one- or two-family home that is the borrower's principal residence, the lender must send an Act 91 notice before filing for foreclosure. If you receive one and want to seek HEMAP assistance, meet a designated housing counselor within 33 days; the counselor then has 30 days from that meeting to submit an application to PHFA. HEMAP is a state mortgage-assistance loan program. Selling is another option, and you can call us when the letter arrives. Read the PHFA HEMAP guidance.
Delinquent property taxes and tax sales
When property taxes go unpaid, the county can put the house up for a tax sale, and the county's notice gives the date. If a sale closes before that date, delinquent taxes may be paid from the proceeds if enough money remains after other liens and closing costs. A sale agreement alone does not resolve the tax claim. Call us as soon as a notice arrives; timing matters. (Real Estate Tax Sale Law, §§601–603.)
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.
Compare possible sale proceeds with your payoff and other costs using the Scranton home-sale net proceeds calculator.
What happens next
- Call us or use the form with the Scranton address and what you know about the notice. You can call before you have every document.
- We review the property and give you a written offer and terms to consider before you commit.
- If you choose to sell, we work through title, payoff, who is living in the house, who can sign, and any liens as we prepare to close.
- The sale closes through a title company. You review the closing documents and sign when the transaction is ready.
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.
Local foreclosure and tax-sale information
- Lackawanna County Sheriff Sales — the county's information about mortgage sheriff sales.
- Lackawanna County Tax Claim — the county office for delinquent property-tax accounts and tax-sale notices.
- Pennsylvania Housing Finance Agency (PHFA) HEMAP guidance — information about the state mortgage-assistance program and designated housing counselors.
Scranton foreclosure and tax-sale questions
Can I call before I have every foreclosure document?
Yes. Call us or use the form with the Scranton address and what you know about the notice or payoff. You do not have to wait until you have every paper.
Is a property-tax sale the same as mortgage foreclosure?
No. A mortgage foreclosure may lead to a sheriff’s sale. Unpaid property taxes can lead to a separate county tax sale; the county’s notice gives that sale date, and a sale agreement alone does not resolve the tax claim.
Can I sell with back taxes or liens?
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. A sale agreement alone does not resolve a tax claim or change a tax-sale date.
How can I compare possible sale proceeds?
Use the Scranton home-sale net proceeds calculator to enter your payoff and adjust the other assumptions.
What our sellers say
“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.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Redfin September 2026 and Zillow September 2026 market data
- Redfin median sale price
- $214,398
- Year over year
- +7.20%
- Median days on market
- 22 median days on market
- Homes sold
- 199 homes sold
- Zillow ZHVI
- $202,099 ZHVI
Sources: Zillow’s Home Value Index and Redfin’s recent-sale data for Scranton, PA. Zillow data covers September 2026; Redfin data covers September 2026.