St. Paul, MN › Foreclosure
Can I Sell My St. Paul House Before Foreclosure?
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Yes. A sale may still be possible if the required mortgage payoff or redemption can be completed before the deadline that applies to your case. Minnesota mortgage foreclosure sales are sheriff’s sales. The stage of the case, the current notice, and the time available for title and closing work matter.
USA Home Buyers buys houses as-is in St. Paul and Ramsey County, Minnesota, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call USA Home Buyers: 888-274-5006We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
We'll give you a written cash offer within 24 hours.
How we help you work toward closing
We review the St. Paul house as-is and give you a written cash offer and written terms before you commit. If you choose to move ahead, we work with a title company on ownership, payoff information, and the closing steps.
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Mortgage foreclosure or property-tax notice?
The mortgage information here concerns a lender’s foreclosure and sheriff’s sale. A notice about unpaid property taxes is a separate matter with its own process and deadlines. Do not use a mortgage sale date or redemption period to work out a property-tax deadline. Follow the tax notice and confirm the parcel status and dates with Ramsey County Property Tax Services.
Minnesota law says a sheriff conducts a mortgage foreclosure sale. For a foreclosure by advertisement, the usual redemption period is six months after the sale, although shorter and longer periods apply in some cases. A foreclosure by court action can have a different starting point. These deadlines are not automatically changed by signing a sale agreement. Check your current notice and have a title company or attorney confirm the deadline and amount for your property.
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 by phone or the one-step form with the St. Paul property address and the date on your notice.
- We review the house as-is and provide a written cash offer and written terms before you decide.
- If you choose to proceed, a title company checks ownership, mortgage payoff information, and other property records needed for closing.
- If a sheriff’s sale is scheduled, the agreement is used to ask for a postponement; keep following the date in your notice unless the appropriate official confirms a change.
- The title company works through the closing details and the sale can close if the required steps are completed in time.
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.
Ramsey County and St. Paul resources
- Ramsey County Recorder’s Office / Registrar of Titles — official real-estate document recording and records information. The office is at 90 West Plato Boulevard, Saint Paul, MN 55107; phone 651-266-2050.
- Ramsey County Property Tax Services — property-tax payment and account questions; phone 651-266-2222. Use this county route for a property-tax notice, not the mortgage redemption dates above.
- Ramsey County Courts & Public Defender — county court-system information. The Second Judicial District courthouse is at Saint Paul City Hall–Ramsey County Courthouse, 15 West Kellogg Boulevard, Saint Paul, MN 55102. Use the notice and current case record for your property-specific status and dates.
Questions About Selling Before Foreclosure in St. Paul, MN
Can I sell my St. Paul house before a sheriff's sale?
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. A sale may still be possible if the required payoff or redemption can be completed before the applicable deadline.
How long is the Minnesota redemption period after a mortgage foreclosure sale?
For a Minnesota foreclosure by advertisement, the usual redemption period is six months after the sheriff’s sale, but shorter and longer periods apply in some cases. A court foreclosure can have a different starting point. Have a title company or attorney confirm the current deadline and amount for your property.
Is a property-tax notice the same as a mortgage foreclosure notice?
No. A mortgage foreclosure and a property-tax matter are separate processes with separate notices and deadlines. Do not use a mortgage sheriff’s-sale date or redemption period to calculate a property-tax deadline. Follow the tax notice and check the account and dates with Ramsey County Property Tax Services.
What if the mortgage 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.
What happens after I contact USA Home Buyers?
We review the St. Paul house as-is and give you a written offer and written terms before you commit. If you choose to move ahead, a title company reviews ownership and payoff information and works through the closing details with you.
Compare possible sale proceeds with the St. Paul home-sale calculator → The calculator is a planning estimate, not a property-specific offer.
Read the St. Paul market overview, seller questions, or St. Paul reviews and trust information.
Talk with us about your St. Paul house
Call 888-274-5006 or send the property address through the form. We buy houses as-is in St. Paul and Ramsey County.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
We'll give you a written cash offer within 24 hours.
What sellers say about USA Home Buyers
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