Can I Sell My Stroudsburg 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.
Yes. You may still have an option to sell before a mortgage sheriff’s sale if the payoff, title, court status, and closing can be handled in time. USA Home Buyers buys houses as-is in Stroudsburg Borough and Monroe County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call about the notice and timing, or send the property address through the form. You can contact us even if you do not have every payoff or court detail yet.
We review the house as-is and work toward a written cash offer and written terms before you commit. If you choose to sell to us, the closing is through a title company. We work with the title company on payoff and title details and use the agreement of sale to ask for a postponement when a mortgage sheriff’s sale is scheduled.
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.
When you sell to us, we pay the closing costs. Pennsylvania charges a 1% state transfer tax when a house changes hands, and most towns add a local tax on top. When you sell to us, we pay the transfer tax. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
Which sale is on your notice?
Mortgage foreclosure and sheriff’s sale
Mortgage foreclosure is the lender’s legal case. If you receive an Act 91 notice and want to seek HEMAP assistance, the timing is specific: for certain delinquent mortgages on a Pennsylvania one- or two-family home that is the borrower’s principal residence, 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, and you can call us when the letter arrives.
If a sheriff’s sale is scheduled, use the date on your current notice and confirm it with the sheriff or party handling the case. Pennsylvania Rule of Civil Procedure 3121 addresses stays of execution; a signed agreement by itself does not change the sale date. Read Rule 3121.
Delinquent property-tax sale
Unpaid property taxes can lead to a separate county tax sale, not the lender’s mortgage foreclosure. The county’s notice gives the tax-sale date. If a sale closes before that date, delinquent taxes may be paid from the proceeds if enough money remains after other liens and closing costs. A sale agreement alone does not resolve the tax claim.
This tax-sale deadline is not changed just because you sign an agreement to sell.
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.
Ask your lender or servicer for a current payoff statement. We can review the numbers with the title company as part of working out whether the written terms and timing could fit; any lender decision is specific to the lender and property.
What happens next
1. Contact us about the notice. Call 888-274-5006 or send the property address through the form. Tell us the date shown on any sheriff’s-sale or tax-sale notice; you do not need every payoff detail before contacting us.
2. Review written terms. We look at the house as-is and give you a written cash offer and written terms before you decide whether to commit.
3. Work through title and payoffs. If you choose to proceed, the title company reviews the ownership, mortgage payoff, liens, and any tax claim that applies.
4. Confirm the sale date and closing steps. We use the agreement to ask for a postponement of a mortgage sheriff’s sale, but signing alone does not change the date. Confirm any change with the sheriff or party handling the case; a tax-sale notice has its own date and claim.
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.
Monroe County sale information and assistance
Stroudsburg Borough is in Monroe County. For a current mortgage sheriff-sale date, follow the notice for your case and confirm it with the sheriff or party handling the sale. The Monroe County Sheriff’s Office and the Monroe County Court of Common Pleas are local starting points; a signed agreement alone does not update a sale date.
HEMAP applies to qualifying mortgage situations, not delinquent property-tax sales. For a tax-sale notice, use the county’s date and the Pennsylvania Real Estate Tax Sale Law; do not apply mortgage-foreclosure deadlines to a tax sale.
Compare your possible sale proceeds
Enter your own sale value, payoff, and other assumptions in the calculator to compare estimated net proceeds. It is a planning estimate, not a property-specific offer or a calculation of a sheriff-sale or tax-sale deadline.
Testimonials are real, from our transactions, verified and approved by our attorneys. Locations shown with the reviews are the sellers’ actual locations.
Questions about selling before foreclosure in Stroudsburg, PA
Can I sell my Stroudsburg house before a sheriff’s sale?
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Yes, a sale may still be possible before a mortgage sheriff’s sale if the payoff, title work, court status, and closing can be handled in time. Call us or use the form with the date on your notice; a signed agreement alone does not change that date.
Does signing an agreement of sale automatically postpone a sheriff’s sale?
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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.
Is a mortgage foreclosure the same as a tax sale?
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No. Mortgage foreclosure is the lender’s legal case; unpaid property taxes can lead to a separate county tax sale. The county’s tax-sale notice gives that sale date, and a sale agreement alone does not resolve the tax claim.
What if the payoff is more than my house is worth?
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Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Can HEMAP help if I received an Act 91 notice?
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For certain delinquent mortgages on a Pennsylvania one- or two-family home that is the borrower’s principal residence, a lender must send an Act 91 notice before filing for foreclosure. If you want HEMAP, 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.
Which county handles a Stroudsburg foreclosure?
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Stroudsburg Borough is in Monroe County. Check the property and court papers for the county and case information, and confirm the current sale date with the sheriff or party handling the case.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Call 888-274-5006 to talk about your notice, payoff, or timing.
