How we can help before a sheriff's sale
You get a written offer and written terms before you commit, and we close through a title company. If you choose to sell, we review title, payoff, occupancy, seller authority, and other liens with the title company, then work toward closing before the scheduled sale. Close as fast as 7 days when title and closing details allow.
Mortgage foreclosure or property-tax sale?
A mortgage foreclosure may lead to a sheriff's sale. A property-tax sale is separate: 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 closing happens before that date, delinquent taxes may be paid from the proceeds if enough remains after other liens and closing costs. (Pennsylvania Real Estate Tax Sale Law, §§601–603.) 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. Call us as soon as a property-tax notice arrives; timing matters.
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.
The current payoff and other liens affect whether a sale can close and what may remain. We can talk through the written offer and the next steps with you.
What to expect if you ask about selling
Call or use the form and start with what you know. If you have a notice, sale date, or payoff information, we can talk it through with you.
Tell us about the property
Start with what is happening, including a scheduled sale date if you know it.
Review the offer and terms
You decide whether to go ahead after reading the written terms.
Review title and payoff details
We review title, payoff, occupancy, seller authority, other liens, and closing details with the title company.
Close through a title company
If you choose to sell, we work toward closing before the scheduled sale.
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 payoff, liens, back taxes, and share of current property taxes remain 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.
Centre County sale information and help to keep your home
The Centre County Sheriff's sale page lists current mortgage-foreclosure sales; confirm any date change with the Sheriff. For a property-tax notice, the Centre County Tax Claim Bureau can answer questions about the account and scheduled tax sale.
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 the Pennsylvania Housing Finance Agency (PHFA). HEMAP is a state mortgage-assistance loan program. Selling is another option, and you can call us when the letter arrives. (Act 91 and PHFA HEMAP guidance.)
Use HUD's housing-counseling directory to find help comparing ways to keep your home with a qualified counselor. The CFPB foreclosure guide also explains common options.
Housing prices and selling conditions
These measures describe housing prices and selling conditions for the areas and periods shown. Compare them alongside repair costs, your mortgage payoff and selling costs.
| Measure | Value | Source and area | Period |
|---|---|---|---|
| Median sale price | $430,895 | Redfin · State College, PA | Three months ending September 2026 |
| Median days on market | 10 days | Redfin · State College, PA | Three months ending September 2026 |
| Homes sold | 31 homes | Redfin · State College, PA | Three months ending September 2026 |
| Typical home value (Zillow ZHVI) | $415,228 | Zillow · State College, PA | As of September 2026 |
| For-sale inventory | 121 homes | Zillow · State College, PA | As of September 2026 |
Include utilities, other bills and any mortgage payments while waiting to sell. Allow time for closing, too.
Compare what you might keep with the State College net-proceeds calculator → Enter your payoff and written offer to estimate what you might keep.
We give written cash offers in 24 hours.
Tell us if a sheriff’s sale is scheduled or you received a property-tax notice.
Redfin September 2026 and Zillow September 2026 market data
- Redfin median sale price
- $430,895
- Year over year
- +2.59%
- Median days on market
- 10 median days on market
- Homes sold
- 31 homes sold
- Zillow ZHVI
- $415,228 ZHVI
Sources: Zillow’s Home Value Index and Redfin’s recent-sale data for State College, PA. Zillow data covers September 2026; Redfin data covers September 2026.
Foreclosure in Centre County PA — FAQ
Can I call before I have the current payoff or every notice?
Yes. Call or use the form even if you do not have an updated payoff or every notice. We can start with what you know and, if you choose to sell, work with the title company on payoff and closing details.
What if a sheriff’s sale is already scheduled?
Call us now and tell us the date if you know it. Our agreement of sale will often get a sheriff’s sale postponed so we can close. It doesn’t always work, but it works more often than people think. Signing the agreement alone doesn’t postpone the sale; we use it to ask for the postponement. The Centre County Sheriff lists current mortgage-foreclosure sales; call the Sheriff to confirm a date change.
How do I compare an offer with what I might keep?
We can walk through the written offer alongside your mortgage payoff, other liens, and closing deductions. The calculator above estimates what you might keep using your offer and payoff; the title company can explain the itemized closing statement.
What if the sheriff’s sale has already happened?
Contact a lawyer promptly with the sale notice and court papers. Ask what deadlines or options remain in your case, and what happens next with possession or sale proceeds.