Can I Sell My Springfield House Before Foreclosure?

How we help before a foreclosure sale

Call us or send the form and tell us about the Springfield property and any foreclosure notice. We review the house as-is and work toward closing before the auction. You get a written offer and written terms before you commit, and we close through a title company.

If you decide to move ahead, we work with the title company on title and payoff details, confirm who needs to sign, and work toward closing.

When you sell to us, we pay the closing costs, including the Massachusetts deeds excise. No fees. No agent commissions when you sell to us. Your mortgage payoff, liens, back taxes and share of current property taxes are separate.

Is the notice about a mortgage foreclosure or unpaid property taxes?

Most Massachusetts mortgage foreclosures use the mortgage's power of sale, with a public auction run by the lender or its agent or attorney. A lender usually files a Servicemembers case in Land Court first to check whether the owner is protected as a servicemember. Read the Massachusetts mortgage-foreclosure overview and Land Court Servicemembers FAQ.

For an eligible owner-occupied home with one to four units, the lender must send a right-to-cure notice and allow 90 days to cure before accelerating the loan. This right is available once in a five-year period. A loan-modification review can extend the period to as long as 150 days for certain higher-risk loans. See Massachusetts General Laws, chapter 244, section 35A and section 35B.

Notice of the mortgage auction must be published once a week for three weeks, starting at least 21 days before the sale, and mailed to the owner at least 14 days before. The right to redeem ends when the power-of-sale auction takes place. See section 14 and section 18.

A tax-title notice or case for unpaid property taxes has its own notices and deadlines. The 90-day mortgage cure period and mortgage-auction notice dates above apply to mortgage foreclosures.

What happens next

1. Call or send the form; we talk with you about the property and any foreclosure notice.
2. We give you a written offer and written terms before you commit.
3. We review title, payoff, occupancy and seller authority with a title company, and identify liens and tax amounts for closing.
4. We use the agreement to ask for a postponement when needed and work toward closing through the title company on the terms you accepted.

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.

Compare the numbers for your house

Mortgage payoff, liens, property condition and closing costs affect what may remain. Use the Springfield net-proceeds calculator to test your own assumptions → It is a planning estimate, not a property-specific offer or settlement statement.