Troy, Alabama · Pike County
Can I Sell My Troy House in Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. If the sale has happened, some people may have a limited right to buy the property back. That does not give extra time to stay in the house.
We buy houses as-is in Troy and Pike County, Alabama, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We answer 24/7 at 888-274-5006.
We give written cash offers in 24 hours.
Share the address and what is happening with the foreclosure notice or timing.
How we help you work toward closing
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. We review the house as-is and talk through the sale date, payoff, title, and what would need to be ready for closing.
We give you a written offer and terms before you commit, and close through a title company. The title company checks title and works with the lender on the payoff and closing figures for the property.
Which sale is involved?
A mortgage with a power-of-sale clause lets the lender foreclose without a court case. Alabama generally requires notice of a mortgage foreclosure sale to be published once a week for three successive weeks in a newspaper in the county, or in an adjoining county if none is published there.
A property-tax sale over unpaid taxes is a different process from a lender's mortgage foreclosure, with its own notice and dates. If your notice concerns county property taxes, we can help you sort out which notice and office apply; use the date on that notice.
After a mortgage foreclosure sale, certain people may have a limited right to redeem—to buy the property back. For residential property with a homestead exemption claimed in the year of sale and a mortgage signed on or after January 1, 2016, the usual period is 180 days. Other property and older mortgages generally have a one-year period. Required notice can affect when the period starts for qualifying homestead property, but cannot extend redemption beyond one year after foreclosure. Redeeming means paying the sale price, interest, and lawful charges; it does not extend your time in the house.
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
1. Talk through the house and timing
We start with the Troy property, the foreclosure notice or sale date, and what you need from a sale. You can call or use the form with the information you have.
2. Review the house and written terms
We buy houses as-is. We give you the written offer and terms before you commit, so you can decide whether to move forward.
3. Work through title and payoff
If you choose to proceed, the title company checks ownership and requests the current mortgage payoff and other closing information. We work toward closing before the scheduled sale.
4. Review the settlement and close
When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage, liens, back taxes, and share of current property taxes are separate and are reflected in the closing figures.
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.
Local help in Pike County
For Pike County property-tax account information, the Revenue Commissioner lists online property and taxpayer search tools and a main office at the Pike County Courthouse, Room 41, 120 West Church Street, Troy, AL 36081. The office phone is 334-566-1792. If a tax-sale notice is involved, its dates and the office named on it are the ones to confirm; a mortgage-foreclosure timeline does not apply to that sale.
Pike County Revenue Commissioner contact information · Pike County property search · Pike County taxpayer search and pay
The Pike County Probate Office publishes Recording information for recorded documents. Its office is at 120 W. Church St., Troy, AL 36081; phone 334-566-1246.
Pike County Probate Office Recording information · Pike County Probate Office contact information
Troy foreclosure questions
Are a mortgage foreclosure and a Pike County tax sale the same process?
No. A mortgage foreclosure is the lender’s process. Unpaid property taxes can lead to a separate county tax sale with its own notice and dates. Use the date on that notice and contact the county office named there.
What if the lender payoff is more than my Troy house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Can I stay in the house during Alabama redemption after a mortgage sale?
Redemption is a limited right for certain people to buy the property back; it is not extra time to stay in the house. For a qualifying residential property with a homestead exemption claimed in the sale year and a mortgage signed on or after January 1, 2016, the usual period is 180 days. Other property and older mortgages generally have a one-year period. The statute explains how required notice can affect when the period starts.
Talk through your Troy house
Call 888-274-5006 or share the property details in the form.
Estimate possible sale proceeds with the Troy home-sale calculator →