McNairy County Trustee's Office
Contact the Trustee about the county property-tax account for the property.
170 West Court Avenue, Selmer, TN 38375 · 731-645-5476.
McNairy County Trustee information →Selmer, TN / Foreclosure · McNairy County
Can I Sell My Selmer 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 be able to sell before the foreclosure sale if the closing can be completed in time. The notice, lender payoff, title work, and people required to sign affect the timing.
USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses in Selmer and McNairy County, Tennessee.
Call 888-274-5006. We answer 24/7.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the Selmer property address and any date on your notice. You can call before you have every document.
How we help
A written offer and a title-company closing
We give you a written cash offer and written terms before you commit. If you choose to move forward, a title company reviews ownership, lender payoff, liens, and the closing details. You can ask about a cash offer before you have every document in hand.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Compare possible net proceeds with the Selmer home-sale calculator →
Which sale is involved?
Mortgage foreclosure and property-tax sales have different notices
Mortgage or deed-of-trust foreclosure
Many Tennessee home loans use a deed of trust. When it includes a power of sale, the trustee can sell the house at public auction without a court case. Under the usual notice rules in effect since July 1, 2025, the sale notice must run at least two times in a newspaper published in the county, with the first newspaper notice at least 20 days before the sale. A third-party internet posting company must post it online for at least 20 days in a row. The trustee must mail you a copy by registered or certified mail by the date of the first newspaper notice.
Unless the loan papers forbid it, the sale can be postponed one or more times without a new newspaper notice, but it must still happen within one year of the original date. Each new date must be announced at the scheduled sale and posted online unless the delay is less than five days. If the sale is pushed back more than 30 days, the new date, time, and place must be mailed to you at least 10 days before the sale. Check the notice and loan papers for the current date and instructions.
For a sale under a deed of trust or mortgage without a court judgment, Tennessee law gives you two years after the sale to redeem the property unless the deed of trust or mortgage expressly waives that right. A court-ordered sale has different rules. That possible after-sale right is not extra time to close before a scheduled sale. See Tenn. Code Ann. §§ 35-5-101 and 66-8-101, including 2025 Public Chapter 515 for the updated notice rules.
Tennessee law updating trustee-sale notice rules → · Tennessee Secretary of State list of third-party internet posting companies →
Property-tax delinquency
A county property-tax matter is separate from a lender's trustee sale. Use the date and instructions on the tax notice or court papers; do not apply a mortgage-sale deadline to a tax-sale notice. The McNairy County Trustee can answer questions about the property-tax account, and the Chancery Court Clerk & Master can route questions about court papers.
If the payoff is the problem
Ask about the lender payoff and other amounts due
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Ask the lender for a current payoff. The title company can review the lender's figure and any liens or property-tax amounts as part of the closing work.
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. Keep following any date or instruction on a foreclosure or tax notice while you compare your options.
What happens next
Talk, review written terms, then decide
1. Talk through the property
Tell us the address, condition, the date on any notice, and what you know about the payoff. You can call before you have every document.
2. Review a written offer
We give you a written cash offer and written terms before you commit. Take time to read what the agreement says before deciding.
3. Work toward closing
If you choose to proceed, a title company checks the ownership and payoff details and coordinates the closing with the people involved.
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 help
McNairy County contacts for notices and tax accounts
Selmer is the McNairy County seat. The office contacts below can help route questions; their directory listings do not confirm a property's sale date or determine which process applies. Confirm the current contact details directly with the office.
McNairy County Chancery Court Clerk & Master
Use this court-office contact for routing questions about court papers; this is not a finding about venue or who can sign.
McNairy County Courthouse, 170 West Court Avenue, Room 205, Selmer, TN 38375 · 731-645-5446.
McNairy County Chancery information →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 and contact
Foreclosure questions in Selmer and McNairy County
Can I sell my house before a Tennessee foreclosure sale?
Often, yes, if closing can happen before the sale. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. The current notice, lender payoff, title work, and required signatures affect whether a closing can happen in time.
What notice comes before a Tennessee trustee sale?
Under the usual notice rules in effect since July 1, 2025, notice must run at least twice in a newspaper published in the county, with the first notice at least 20 days before the sale. A third-party internet posting company must post it online for at least 20 days in a row, and the trustee must mail you a copy by registered or certified mail by the date of the first newspaper notice. Check the notice for your property and confirm the current sale date with the trustee.
Can a Tennessee trustee sale be postponed?
Unless the loan papers forbid it, the sale can be postponed one or more times without a new newspaper notice, but it must still happen within one year of the original date. A new date is announced at the scheduled sale and posted online unless the delay is less than five days. If the sale is pushed back more than 30 days, the new date, time, and place must be mailed to you at least 10 days before the sale. Check the actual notice and loan papers; do not assume a date changed.
Is a property-tax sale the same as a mortgage foreclosure?
No. A county property-tax matter is separate from a lender's mortgage or deed-of-trust sale, so use the tax notice and court papers for their own dates. Contact the McNairy County Trustee about the property's tax account. If you have court papers, the Chancery Court Clerk & Master is a local court-office route for questions about where to direct them.
What if the mortgage payoff is more than the house is worth?
Ask your lender for a current payoff. The title company can review the payoff and other amounts due as part of the closing work. Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What happens after I ask about a cash offer?
We talk through the property and your timing, then give you a written cash offer and written terms before you commit. If you choose to proceed, a title company reviews ownership and payoff details and coordinates closing.
Use the calculator to compare possible proceeds, or call 888-274-5006 to talk about the notice date and property.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the Selmer property address and any date on your notice. You can call before you have every document.
Talk through the Selmer house
Call 888-274-5006 or use the form. We answer 24/7.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the Selmer property address and any date on your notice. You can call before you have every document.