Can I Sell My Seaford House in Foreclosure?

How We Help with a Seaford Foreclosure

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in Seaford and Sussex County. You get a written offer and written terms before you commit. If you decide to sell, the closing takes place through a title company. We work toward a closing before the scheduled sheriff’s sale when the title, payoff, and timing allow it.

Mortgage Foreclosure and Tax Sale Have Different Deadlines

Mortgage foreclosure in Delaware

A mortgage foreclosure is a lender’s court case in Delaware Superior Court, brought under a process called scire facias sur mortgage. For an owner-occupied home with one to four units, the lender normally must send a notice of intent to foreclose and wait 45 days before filing, though exceptions apply. The notice explains how to catch up and lists housing counselors. Before judgment, the lender also has to state under oath that it gave you a chance to apply for help, such as a loan change.

When the case is filed, you receive notice about Delaware’s Automatic Residential Mortgage Foreclosure Mediation Program. A mediation meeting is scheduled 45 to 75 days after you are served. You must appear in person, meet with a HUD-approved housing counselor, and file a Certificate of Participation within 30 days. The court cannot enter judgment until the day after the scheduled mediation. If you do not answer the case, the court can enter judgment and order the house sold.

The sheriff posts sale notices at least 10 days before the sale and advertises it for two weeks in newspapers. The court must confirm the sale before the buyer receives a deed; after confirmation, there is no right to buy the house back. Read the Delaware mortgage-foreclosure law and the law on notice of a sheriff’s sale.

If the notice is about unpaid property taxes

A tax sale is separate from a lender’s mortgage foreclosure. The mortgage notice and mediation deadlines above do not tell you when a tax sale can happen. Follow the notice for that case and confirm the current sale details with the Sussex County Sheriff’s official sale information.

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.

What Happens Next

1. If a sale is scheduled, tell us the date and share what kind of notice you received. You can call or use the form.
2. We review the property and give you a written offer and written terms before you decide whether to commit.
3. If you choose to sell, a title company checks the title and current payoff information so the amounts due are clear in the closing paperwork.
4. We work toward closing before the sheriff’s sale if the title and payoff work can be completed in time. Check your case notices for the current sale date.

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.

Questions and Contact

Compare possible sale proceeds with a listing using the Seaford home-sale net proceeds calculator.

We'll give you a written cash offer within 24 hours.