Can I Sell My Tuscaloosa House in Foreclosure?

How we help you work toward closing

We review the house as-is, the payoff information, title, and the timing in your notice. You get a written offer and written terms before you commit; a title company handles the closing. Our agreement of sale will often get a foreclosure 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.

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.

When you sell to us, we pay the closing costs, including Alabama's deed tax. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.

Which sale notice are you facing?

A mortgage foreclosure and a tax sale for unpaid property taxes are different processes with separate notices and deadlines. The mortgage rules below are not a tax-sale calendar. Follow the notice for the specific process you are facing.

Alabama mortgage foreclosure

A mortgage with a power-of-sale provision lets the lender foreclose without a court case. The sale notice generally must run once a week for three successive weeks in a newspaper in the county, or an adjoining county if none is published there. See Alabama Code §35-10-12 and §35-10-13. Check the notice for the sale date and steps that apply to your property.

If the mortgage sale already happened

Certain people may have a limited right to redeem, meaning buy the house 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. For qualifying homestead property, missing required notice can change when the redemption clock starts, but cannot extend redemption beyond one year after foreclosure. See Alabama Code §6-5-248 and §6-5-248.1.

Redeeming means paying the sale price, interest, and lawful charges, which can include improvements, taxes, and insurance. If the purchaser also owns the mortgage debt, the remaining debt and interest may also be due. A debtor or mortgagor still in possession must leave within 10 days after the purchaser's written demand or risk losing redemption rights; redemption is not extra time to stay in the house. See Alabama Code §6-5-253 and §6-5-251.

If your notice concerns unpaid property taxes, do not use these mortgage notice or redemption deadlines to work out the tax-sale date. Follow the tax notice and its own instructions.

What happens next

1. 1. Contact us. Call or use the form with the property address and the date or instructions on your notice.
2. 2. Review the written offer and terms. We give written cash offers in 24 hours. You can read the written terms before you commit.
3. 3. Work through payoff and title. The title company reviews ownership, liens, taxes, and the amounts needed to close. If a postponement is needed, we use the agreement to ask for it; signing alone does not change the sale date.
4. 4. Work toward closing. If the required payoff and closing steps can be completed, the title company coordinates the closing.

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 property-tax help in Tuscaloosa County

For property-tax collection and payment questions, contact the Tuscaloosa County Tax Collector, 714 Greensboro Avenue, Room 124, Tuscaloosa, AL 35401, at 205-464-8230. If you have a tax-sale notice, use its date and instructions and contact the office named on it; this office listing is for property-tax collection and payment inquiries.

Questions and contact

Estimate possible sale proceeds with the Tuscaloosa calculator → Use it as a planning tool alongside the written offer and terms.

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We'll give you a written cash offer within 24 hours.

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