Somerset PA › Foreclosure
Can I Sell My Somerset County House in Foreclosure?
You can ask about selling before the sheriff's sale. We buy houses as-is in Somerset Borough and throughout Somerset County, Pennsylvania.
Call 888-274-5006 — we answer 24/7How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.
If you have a foreclosure notice or payoff information, share what you have. We work with the title company on the current payoff, title, liens, tax claims, and settlement steps. Pennsylvania Rule 3121 covers court orders that pause enforcement. Keep following the date on your notice unless the court or sheriff confirms a change.
No fees. 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. Your mortgage, liens, back taxes, and share of current property taxes are separate.
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. See PHFA's HEMAP guidance.
A mortgage foreclosure and a tax sale have different deadlines
A mortgage foreclosure is a court case about the mortgage and may lead to a sheriff's sale. A tax sale is a separate county process for unpaid real-estate taxes, with its own notice and date. Keep the two deadlines separate.
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 closing happens before that date, delinquent taxes may be paid from the proceeds if enough remains after other liens and closing costs. An 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.)
Somerset County's Tax Claim Bureau handles delinquent real-estate taxes turned over by county tax collectors and provides county tax-sale information, including its annual Upset Tax Sale.
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.
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. If a county tax-sale notice has arrived, call us and we'll look at its date with the other closing details.
The title company reviews the current payoff alongside liens and county tax information. Those amounts are separate from the written offer.
What happens next
- Call us or use the form; share the property address and notice or sale date if you have them.
- We give you the written offer and terms before you decide whether to proceed.
- If you choose to sell, we work with the title company on title, payoff, liens, tax claims, and closing timing.
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.
Somerset County offices and homeowner resources
- Somerset County Court of Common Pleas and Courts information — the county lists its Mortgage Foreclosure Diversion Program. The Court Administrator's published number is 814-445-1473.
- Somerset County Mortgage Foreclosure Diversion Program materials.
- Somerset County Sheriff's Office contact page — use the date on your notice and confirm any change with the appropriate court or sheriff.
- PHFA HEMAP guidance — state mortgage-assistance information for people considering the HEMAP process.
- Somerset County Tax Claim Bureau — county information about delinquent real-estate taxes and tax sales.
Plan around the payoff and sale date
Estimate possible sale proceeds with the Somerset PA home-sale calculator → It is a planning estimate, not a property-specific offer or payoff statement.
For the statewide mortgage-foreclosure process, see the Pennsylvania foreclosure guide.
Frequently asked questions about foreclosure in Somerset PA
Somerset PA Foreclosure Questions
Can I sell my Somerset County house before a sheriff sale?
Yes. Selling before the sheriff's sale is one option. Call us when your notice arrives and we'll talk through the timing.
Is a mortgage foreclosure the same as a tax sale in Somerset County?
No. A mortgage foreclosure concerns the mortgage and may lead to a sheriff's sale. A tax sale is a separate county process for unpaid real-estate taxes, with its own notice and date.
What should I do after an Act 91 notice?
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 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.
What if my mortgage payoff is more than my Somerset house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Can I sell before a Somerset County tax sale?
The county notice gives the tax-sale date. If closing happens before then, delinquent taxes may be paid from the proceeds if enough remains after other liens and closing costs. An 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.)
Where can I find local foreclosure or tax-sale information?
Somerset County Courts has information about its Mortgage Foreclosure Diversion Program, and the county Tax Claim Bureau provides tax-sale information. Call us when you have a notice and we can talk through the date and possible sale steps.
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...”
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Share the notice date and property details so we can review the offer and closing steps with you.
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