Sioux Falls, SD · Minnehaha and Lincoln Counties / Foreclosure
Can I Sell My Sioux Falls House in Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. We'll look at the mortgage payoff, title work, and time needed to close.
USA Home Buyers buys houses in Sioux Falls, Minnehaha and Lincoln Counties. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 or use the form to ask about a cash offer.
We give written cash offers in 24 hours.
Share the property address and any date on a foreclosure notice.
How we help you work toward a sale
You get a written offer and written terms before you commit, and we close through a title company. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
No fees. No agent commissions when you sell to us.
We can work with the title company to review the mortgage payoff, recorded liens, and the steps needed for closing. 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.
When you sell to us, we pay the closing costs, including the South Dakota real-estate transfer fee. The mortgage payoff, liens, back taxes, and your share of current property taxes are separate from those costs; the title company reviews the figures for your property.
Close as fast as 7 days when title and closing details allow.
Mortgage foreclosure or property-tax sale?
A mortgage foreclosure is about the home loan. A South Dakota property-tax sale is a separate process, with its own notices and deadlines. The county treasurer can help with tax-account questions; call us if you want help sorting out which notice you have.
South Dakota allows a lender to foreclose through court action or by advertisement when the mortgage includes a power of sale. For a foreclosure by advertisement, notice of the sale must be published at least once a week for four successive weeks. The borrower and affected lienholders must receive written notice at least 21 days before the sale, and the sheriff holds the public auction in the county where the property is located. After advertisement begins, you may require the foreclosure to proceed through court.
The usual redemption period after a mortgage foreclosure sale is one year. A mortgage with the statutory 180-day clause can shorten it, including to 60 days if the property is abandoned. This period starts after the sale; it is separate from the time before the auction.
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
- Contact us with the property address and any foreclosure notice or sale date you have.
- We review the house and give you a written cash offer and written terms before you commit.
- A title company reviews title, the lender payoff, recorded liens, and the closing figures.
- If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. If you accept, we work with the title company toward 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.
County contacts for Minnehaha and Lincoln
Sioux Falls spans Minnehaha and Lincoln Counties. Not sure which county your house is in? Call us — we'll sort it out with you.
Questions about foreclosure in Sioux Falls
What if a foreclosure sale date is already set?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. We'll look at the mortgage payoff, title work, and time needed to close.
Is a South Dakota property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is about the home loan; a property-tax sale is a separate process with its own notices and deadlines. The treasurer for the county can help with tax-account questions. Not sure which notice you have? Call us — we'll sort it out with you.
What notice is required for a South Dakota foreclosure by advertisement?
Notice of the sale must be published at least once a week for four successive weeks. The borrower and affected lienholders must receive written notice at least 21 days before the sale, and the sheriff holds the public auction in the county where the property is located. After advertisement begins, you may require the foreclosure to proceed through court.
How long is the redemption period after a South Dakota mortgage foreclosure sale?
The usual redemption period after the sale is one year. A mortgage with the statutory 180-day clause can shorten it, including to 60 days if the property is abandoned. This period starts after the sale; it is separate from the time before the auction.
Estimate possible sale proceeds with the Sioux Falls calculator → Use it for planning, not as an offer for your property.
Ask about your Sioux Falls house
Call 888-274-5006 or send the property address and what you know about the timing.
We give written cash offers in 24 hours.
Share the address and any sale date on your notice.