Can I sell my Summersville house before a trustee’s sale?
Yes. If the auction has not happened, a sale may still be possible if the loan can be paid off and the title and closing work can be completed before the sale. In West Virginia, the trustee named in a deed of trust can sell the house at public auction after a default without a court case. Check the current sale date and payoff amount with the title company or an attorney.
USA Home Buyers buys houses as-is for cash in Summersville and Nicholas County, West Virginia. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call us or send the property details to ask for a cash offer.
Call 888-274-5006 — we answer 24/7We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the sale date or notice you have.
How we help you work toward closing
Tell us the property address, the notice or sale date you have, and what you know about the mortgage payoff. We review the house as-is and give you a written offer and written terms before you commit. Closing is through a title company.
If you choose to move forward, the title company reviews title and payoff details If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Confirm any changed date with the trustee named in your notice before relying on it.
Mortgage foreclosure and property-tax sale are different
This page is about a mortgage foreclosure under a deed of trust. After a default, the trustee named in the deed can sell the house at public auction without filing a court case. A property-tax sale concerns delinquent taxes and is a separate process with its own notice and dates. Follow the notice for the sale you are facing; a mortgage trustee-sale date is not a tax-sale deadline.
For a trustee’s sale, West Virginia law generally requires the trustee to publish notice in the county where the property is once a week for two weeks in a row and send the borrower notice by certified mail, return receipt requested. The notice counts once mailed to the required address, even if it comes back. There is a narrow exception for an older deed of trust. Treat the auction date as the deadline for completing a sale and paying off the loan, and have the title company or an attorney confirm the current date and amount needed.
Sale proceeds pay the trustee’s expenses and then secured debts; any surplus goes to the former owner. See W. Va. Code §38-1-3 on sales under trust deeds, §38-1-4 on notice of sale, §59-3-2 on legal advertisements, and §38-1-7 on sale proceeds.
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. This does not change a separate tax-sale notice or its dates.
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 for a current payoff statement. The title company can review the payoff and other liens against the written sale terms; a lender’s decision about a payoff is specific to that case.
What happens next
- Call or send the Summersville property address and the notice or sale date you have.
- We review the house as-is and give you written offer terms before you commit.
- A title company reviews ownership, mortgage payoff, liens, and closing requirements.
- If you want to proceed, we work with you and the title company toward closing. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Confirm the date with the trustee handling your sale.
- When you sell to us, we pay the closing costs, including the West Virginia real estate transfer excise tax and the additional county excise tax. Your mortgage, liens, back taxes, and share of current property taxes are separate settlement amounts; have the title company review the current figures against the written terms.
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.
Nicholas County records and sale-date information
For a mortgage trustee-sale date and payoff, start with the trustee named in your notice and confirm the current figures with a title company or attorney. The Nicholas County Clerk handles deed and will recording and recorded-index access. The Clerk is on the first floor of the courthouse; the County Commission lists the courthouse address as 700 Main Street, Summersville, WV 26651. Call the Clerk at (304) 872-7820.
For county property-tax records, the Nicholas County Sheriff’s Department links local tax records. If your notice concerns a property-tax sale, follow its own instructions and dates and contact the office named there. The Sheriff’s Department is listed at 700 Main Street, Suite 3, Summersville, WV 26651; its phone number is (304) 872-7880.
Questions and contact
Compare your own assumptions with the Summersville home-sale net proceeds calculator → as a planning estimate, not a property-specific offer or payoff figure.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Questions about selling before foreclosure in Summersville, WV
Can I sell my Summersville house before a trustee’s sale?
A sale may still be possible if the loan can be paid off before the auction and the title and closing work can be completed in time. Have the title company or an attorney confirm the current sale date and amount needed.
How does a West Virginia trustee’s sale notice work?
The trustee generally publishes notice in the county where the house is once a week for two weeks in a row and sends the borrower notice by certified mail, return receipt requested. The notice counts when mailed to the required address even if it comes back; there is a narrow exception for an older deed of trust. Check your own notice and confirm the current sale date and payoff with a title company or attorney.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure under a deed of trust is a separate process from a delinquent property-tax sale. Each has its own notice and dates. Follow the notice for the sale you are facing; do not use a mortgage trustee-sale date as a tax-sale deadline.
What if my mortgage payoff is more than my Summersville house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A current payoff and title review can show what needs to be addressed at closing. Any lender decision is specific to the lender, property, and transaction.
Do I have to pay back taxes or liens before selling to 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. A separate tax-sale notice still has its own deadline, so follow the instructions on that notice.
Talk through your foreclosure deadline
Call 888-274-5006 or send the Summersville property address and the notice you have.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what your mortgage or sale notice says.