St. Johnsbury, Vermont · Foreclosure
Can I sell my St. Johnsbury house before foreclosure?
Often, you can sell while you still own the house if the sale can close before the deadline in your court order. If the house has little or no equity, the court can order strict foreclosure: ownership ends when the redemption period runs out, without an auction. Otherwise, the court orders a sale. Your order tells you which path and deadline apply. A request to postpone a sale does not extend a strict-foreclosure redemption deadline.
Call USA Home Buyers at 888-274-5006 or request a cash offer below.
We give written cash offers in 24 hours.
Share the property address and any court date, notice, or payoff information you have. You can start with what you know.
How we help with a possible sale
USA Home Buyers buys houses as-is in the Town of St. Johnsbury and throughout Caledonia County, Vermont. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We review the property, your court order, and the timing with you, then work toward a closing that fits the situation.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Is this a mortgage foreclosure or a property-tax notice?
A mortgage foreclosure concerns the home loan and the court order in that case. Vermont may order strict foreclosure, which ends ownership after the redemption period without an auction, or a judicial sale. Follow the path and deadline written in your order.
A notice about unpaid Town property taxes is separate from the mortgage case and has its own instructions and deadlines. Keep the notices separate: a tax notice does not postpone a mortgage sale, and a mortgage-sale postponement does not extend a strict-foreclosure redemption period.
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.
We can work with your lender and the title company to confirm the payoff figure for closing. Your mortgage balance, other liens, back taxes, and your share of current property taxes are separate figures.
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.
What happens next
- Call 888-274-5006 or send the property address. Tell us what you know about the court order, any sale date or tax notice, and the payoff; you can start with whatever you have.
- We review the house and timing, then give you a written offer and written terms before you decide whether to proceed.
- If you choose to proceed, a title company checks ownership and title, confirms payoff and other closing figures, and works through the documents needed for closing.
- We work toward closing before the deadline that applies to your case. Keep following the date in your court order unless the court confirms a change; a sale postponement does not extend a strict-foreclosure redemption deadline.
When you sell to us, we pay the closing costs, including Vermont's property transfer tax and Clean Water Surcharge.
Your mortgage, liens, back taxes and share of current property taxes are separate.
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 tax questions and Vermont foreclosure sources
For help with a Town of St. Johnsbury property-tax bill or payment, contact the Town Clerk & Treasurer. For a mortgage foreclosure, follow the deadline in your court order.
Questions and contact
Foreclosure questions for St. Johnsbury sellers
Can I sell my St. Johnsbury house before a foreclosure deadline?
Often, you can sell while you still own the house if the sale can close before the deadline in your court order. A request to postpone a sale does not extend a strict-foreclosure redemption deadline.
Does every Vermont foreclosure end in an auction?
No. If the house has little or no equity, the court can order strict foreclosure. Ownership ends when the redemption period runs out, without an auction. Otherwise, the court orders a sale. Your court order tells you which path and deadline apply; do not wait for an auction notice if the order is for strict foreclosure.
Is a property-tax sale the same as mortgage foreclosure?
No. A mortgage foreclosure concerns the home loan and follows the court order for that case. A notice about unpaid Town property taxes is separate, with its own instructions and deadlines. Check each notice on its own; a tax notice does not change a mortgage-court deadline.
What if the lender payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. We can work with your lender and the title company to confirm the payoff figure for closing.
Do I have to pay back taxes or liens before 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. Any tax notice still has its own instructions and deadlines, so keep following it separately from the mortgage court order.
Talk about a St. Johnsbury house
Call 888-274-5006 with a question, or use the form to ask for a written cash offer.
We give written cash offers in 24 hours.
Share the property address and any court date, notice, or payoff information you have. You can start with what you know.