Can I Sell My Waldoboro House Before Foreclosure?
If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends.
Before judgment, you may still be able to sell the house and use the proceeds toward the mortgage. After judgment, a sale may still be possible during the redemption period if it closes in time to pay the amount the court says is owed. The judgment and notices control your dates.
USA Home Buyers buys houses in the Town of Waldoboro and Lincoln County, Maine. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 or send the property address. If you have the judgment date or a foreclosure notice, share it; you can contact us before you have every document.
We give written cash offers in 24 hours.
Share the property address and what you know about the court case.
We'll give you a written cash offer within 24 hours.
How we help you work toward closing
We review the house as-is and give you a written offer and written terms before you commit. If you choose to proceed, a title company reviews ownership, the mortgage payoff and liens, and handles the closing.
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 the real estate transfer tax. Your mortgage payoff, liens, back taxes, and your share of current property taxes are separate from that closing-cost promise.
Which sale is involved: mortgage foreclosure or tax sale?
A mortgage foreclosure is the lender’s court case about the home loan. A Town of Waldoboro property-tax notice or lien is a separate matter. Keep the deadlines separate: the mortgage dates below do not tell you when a town tax matter is due. Use the dates and instructions on the notice and contact the office named for that matter.
Maine mortgage-foreclosure timing
- For a home loan on the house you live in, the lender must first give written notice and at least 35 days to catch up. Read the notice and check the current payoff promptly.
- If you live in the 1–4 unit home and are sued, you can ask for mediation through the court’s Foreclosure Diversion Program within 20 days of receiving the court papers. If mediation is scheduled, no final judgment can issue until the mediator’s report is complete.
- If the court rules for the lender, the redemption period is usually 90 days from the judgment. That is the time to pay the amount the court says is owed; a sale that closes in time may do that. When the period ends, your right to pay off the loan ends.
- After the redemption period ends, the lender advertises a public sale. The sale is held 30 to 45 days after the first advertisement. This later sale date does not extend the redemption period.
Read the Maine laws on the 35-day notice to catch up, foreclosure mediation, judgment and redemption period and public sale after redemption. The court papers and actual case dates control.
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 the lender for a current payoff statement. The title company can review it with the title and lien details and the written sale terms.
What happens next
- Call or send the property address. Share the judgment date or foreclosure notice if you have it.
- We give you a written cash offer and written terms before you commit.
- If you choose to proceed, a title company reviews ownership, the mortgage payoff, liens, and closing figures.
- We work with the title company toward closing before the redemption period ends. Keep following the dates in your court papers.
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.
Waldoboro and Lincoln County resources
If you live in a 1–4 unit home and have foreclosure court papers, the Maine Judicial Branch explains its Foreclosure Diversion Program. Check the 20-day request deadline against the date you received the papers.
For a Town of Waldoboro property-tax account, delinquency, or lien question, contact Finance / Tax Collection at the Town Office, 1600 Atlantic Highway, Waldoboro, ME 04572, 207-832-5369 ext. 1. See the Town’s Finance / Tax Collection page for current information. These town tax matters are separate from a mortgage foreclosure case.
For recorded deeds and land documents, contact the Lincoln County Registry of Deeds at 32 High Street, Wiscasset, ME 04578, 207-882-7431. Its deed and land-record information is separate from the Town’s tax office; use your court papers for foreclosure case dates.
Questions and contact
Call 888-274-5006 or send the property address in the form. USA Home Buyers buys houses in the Town of Waldoboro and Lincoln County, Maine.
Use the Waldoboro home-sale net-proceeds calculator to compare your own assumptions. It is a planning estimate, not a property-specific offer or payoff figure.
Foreclosure questions for Waldoboro and Lincoln County
Can I sell my Waldoboro house after a Maine foreclosure judgment?
If the court has entered a foreclosure judgment, tell us the date right away so we can try to close before the redemption period ends. A sale may still be possible during the redemption period if it closes in time to pay the amount the court says is owed. Check the judgment and current notices for your case dates.
How long is the Maine mortgage foreclosure redemption period?
The redemption period is usually 90 days from the judgment. It is the time to pay what the court says is owed; when it ends, the right to pay off the loan ends. The lender then advertises a public sale, held 30 to 45 days after the first advertisement. Check your judgment and notices for the dates that apply to your case.
Can I ask for foreclosure mediation in Maine?
If you live in the 1–4 unit home and have been sued, you can ask for mediation through the court’s Foreclosure Diversion Program within 20 days of receiving the court papers. If mediation is scheduled, no final judgment can issue until the mediator’s report is complete.
Is a mortgage foreclosure the same as a Waldoboro property-tax sale?
No. A mortgage foreclosure is a court case about the home loan. A Town of Waldoboro property-tax notice or lien is separate and has its own dates and instructions. Do not use the mortgage-foreclosure timeline to work out a tax matter; contact the Town’s Finance / Tax Collection office about the tax account or lien.
What if my mortgage payoff is more than my Waldoboro 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 statement and title review help establish the amounts involved in a possible closing.
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 Town tax notice still has its own dates and instructions, separate from a mortgage foreclosure.
Ask about a Waldoboro cash offer
Call 888-274-5006 or send the property address. You can contact us before you have every court paper in hand.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
We'll give you a written cash offer within 24 hours.