St. Marys, PA › Elk County foreclosure help
Selling to us can be another option before a mortgage sheriff’s sale. We’re USA Home Buyers. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in St. Marys and Elk County. Call us to talk through any notice or deadline.
Call 888-274-5006 — We Answer 24/7We review the house and the notice with you. You get a written offer and written terms before you commit, and we close through a title company. If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it. See Pennsylvania Rule of Civil Procedure 3121.
When you sell to us, we pay the closing costs. When you sell to us, we pay the transfer tax. No agent commissions when you sell to us. No fees. Close as fast as 7 days when title and closing details allow. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
A mortgage foreclosure is the lender’s court case. The sheriff’s sale notice has an important date. Call us when you get it, and we’ll talk through selling before the sale.
Elk County’s official Sheriff’s Sales (Foreclosure) page links to current and prior sale cases. Check the address and case information, then confirm the date with the sheriff and your attorney.
A county tax sale is separate from a lender’s mortgage case. When property taxes go unpaid, the county can put the house up for tax sale, and the county’s notice gives the date. A sale agreement alone does not resolve the tax claim.
If a sale closes before that date, delinquent taxes may be paid from the proceeds if enough remains after other liens and closing costs. Call as soon as a notice arrives; timing matters. See the Pennsylvania Real Estate Tax Sale Law, §§601–603.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
We can look at the current mortgage payoff and sale numbers with you.
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.
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.
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 of the notice; 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. Call us and we can talk through it.
PHFA HEMAP and Act 91 guidanceElk County posts current and prior mortgage-foreclosure sale cases. The County Tax Claim Bureau handles delinquent real-estate-tax questions, and the City Tax Office takes questions and payments for City, County, and school-district real-estate taxes.
Current and prior mortgage-foreclosure sale cases; confirm a current date with the sheriff.
Delinquent real-estate-tax questions and tax certifications. Phone: 814-776-5326.
City, County, and St. Marys Area School District real-estate-tax questions and payments. Phone: 814-781-8454.
Use the calculator to compare your own assumptions about a sale and what you might net. It is a planning estimate, not a property-specific offer, payoff, or settlement statement.
Open the St. Marys home-sale net-proceeds calculator →Yes. If a sheriff's sale is scheduled, tell us the date right away so we can try to close before it.
No. Mortgage foreclosure is a lender’s court case; unpaid real-estate taxes can lead to a separate county tax sale. The county notice gives the tax-sale date, and a sale agreement alone does not resolve the tax claim.
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 of the notice; the counselor then has 30 days from that meeting to submit an application to PHFA. HEMAP is a state mortgage-assistance loan program.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. We can look at the current payoff and sale numbers with you.
Elk County’s Sheriff’s Sales (Foreclosure) page links to current and prior cases. We can look at a sale notice with you and talk through the next steps.
Takes 2 minutes. No obligation.
Takes 2 minutes. No obligation.
Call 888-274-5006 to talk about your notice, payoff, or timing.