Valparaiso, IN · Porter County › Foreclosure

Can I Sell My Valparaiso House Before Foreclosure?

Yes, you may still have time to sell before the sheriff's sale if the sale can close and resolve the debt in time. Indiana mortgage foreclosures go through court. Before the sale, you can redeem by paying the full judgment, interest, and costs through the clerk or sheriff, depending on the stage of the case; paying only overdue installments is not enough. The date on your notice and the full payoff matter.

Call us with the notice or sale date. We can talk through the house, the payoff, and the timing with you.

We buy houses as-is, 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 property address and any date shown on your notice.

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How we help with a foreclosure sale

We look at the house, the notice, the sale date, and the mortgage payoff with you. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

You get a written offer and written terms before you commit, and we close through a title company. We work with the title company on title and payoff details as we move toward closing.

When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees.

Which sale are you facing?

Mortgage foreclosure

An Indiana mortgage foreclosure is a court case over the home loan and may lead to a sheriff's sale. Before the sale, you can redeem by paying the full judgment, interest, and costs through the clerk or sheriff, depending on the stage of the case. Paying only overdue installments is not enough. A sale needs to close and resolve the debt in time.

Read Indiana Code § 32-29-7-7 and the Indiana Court of Appeals decision Wells Fargo Bank v. Tippecanoe Associates.

Property-tax sale

A property-tax sale concerns unpaid property taxes. Porter County has a separate tax-sale and certificate-sale process, with its own notices and dates. If your notice is about property taxes, we can look at it with you.

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. 1. Talk through the notice and timing. Call or use the form. We review the sale date and payoff information with you.
  2. 2. Review the written offer and terms. You get them before you commit.
  3. 3. Work through title and payoff details. We work with the title company as the sale moves toward closing.
  4. 4. Close. Close as fast as 7 days when title and closing details allow.

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.

Porter County sale information

Porter County posts mortgage-foreclosure sheriff-sale information and property-tax sale information separately. If you have a notice, call us — we'll sort out which sale it is with you.

Questions and contact

Estimate possible proceeds with the Valparaiso home-sale calculator →

Questions about foreclosure in Valparaiso, IN

Can I sell my Valparaiso house before a sheriff’s sale?

Yes. Indiana mortgage foreclosures go through court. Before the sheriff's sale, you can redeem by paying the full judgment, interest, and costs through the clerk or sheriff, depending on the stage of the case. Paying only overdue installments is not enough. A sale needs to close and resolve the debt in time. Call us with the sale date and payoff, and we can talk through them with you.

Is a Porter County tax sale the same as mortgage foreclosure?

No. A mortgage foreclosure is a court case about the home loan and may lead to a sheriff’s sale. A property-tax sale concerns unpaid property taxes and follows a separate county process with its own notices and dates. We can look at your notice with you.

What if my mortgage payoff is more than my Valparaiso house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

Do I need to pay back taxes 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.

What do I see before I decide to sell?

You get a written offer and written terms before you commit, and we close through a title company.

What our sellers say

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
Alice Wforeclosure
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”
James R.Behind on Payments — Pre-Foreclosure

Call 888-274-5006 or use the form above. We answer 24/7.

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