Warren, MI / Foreclosure
Can I Sell My Warren House Before Foreclosure?
Our agreement of sale will often get a sheriff's 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.
Yes. If a mortgage sheriff's sale is scheduled, a sale may still be possible if the payoff, title work, and time to close line up before the applicable deadline. If the sheriff's sale has already happened, the question may instead be whether redemption is still available and what amount and deadline apply. Have a title company or attorney confirm the details for your property.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses in Warren and Macomb County.
Call 888-274-5006 to talk through the house and the notice you received.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and what your mortgage or sale notice says.
How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not have to repair or clean out the house before asking us to review it.
You get a written offer and written terms before you commit; closing is through a title company. If you want to move ahead, we work with the title company on title, payoff, liens, and closing details while using the agreement to ask for a postponement.
Mortgage foreclosure and county tax foreclosure are separate
Michigan mortgage foreclosure auctions are commonly called sheriff's sales. For a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just the missed payments. Confirm the sale status, exact deadline, and amount needed with a title company or attorney before relying on a closing date.
A county tax foreclosure concerns delinquent property taxes, not the home loan. Keep the mortgage and tax notices separate: postponing a mortgage sheriff's sale does not change a county tax-foreclosure deadline, or the other way around. If you have both notices, check each date and contact separately.
Michigan resources: MSHDA's stages of foreclosure · MCL 600.3216, public sale and who conducts it · MCL 600.3220, sale adjournment · MCL 600.3240, redemption periods and amounts.
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.
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. Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts to review.
Ask the lender and county for current figures. A title company can review the payoff and lien details for the property.
What happens next
- Call or send the Warren address and the mortgage or tax notice you have.
- We review the house as-is and give you written offer terms before you commit.
- If you choose to proceed, a title company reviews title, liens, and payoff details while we work toward closing.
- For a mortgage sheriff's sale, we use the agreement to ask for a postponement. Confirm any changed date with the official contact on the notice.
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.
Macomb County and Warren tax resources
- For county property-tax information and the county tax-foreclosure-prevention contact route, use the Macomb County Treasurer's tax information and tax-foreclosure prevention pages. Contact the County about the current account status, available assistance, and any deadline.
- For City of Warren tax-collection questions, contact the Warren Treasurer's Office. City and County tax questions go to different offices.
For a mortgage sheriff's sale, follow the date on your official notice and confirm the current status with the contact listed there. Do not use a mortgage-sale date to assume the tax-foreclosure deadline has changed.
Estimate possible sale proceeds with the Warren calculator → It is a planning estimate, not a property-specific offer or settlement statement.
Questions about selling before foreclosure in Warren, MI
Can I sell my Warren house before a mortgage sheriff sale?
Yes. A sale may still be possible if the required payoff or redemption can be completed before the applicable deadline. Our agreement of sale will often get a sheriff's 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. Keep following the official notice and confirm any changed date with the listed contact.
What if the mortgage sheriff sale already happened?
The next question may be whether you can redeem the property before the applicable deadline. In a foreclosure by advertisement, six months after the sale is the most common redemption period, but shorter and longer periods apply. Redemption requires the sale amount plus required interest and charges, not just the missed payments. Ask a title company or attorney to confirm the exact status, deadline, and amount for your property.
Is a mortgage foreclosure the same as a Macomb County tax foreclosure?
No. A mortgage foreclosure concerns the home loan; county tax foreclosure concerns delinquent property taxes. They have separate notices and deadlines. A change to a mortgage sheriff sale does not change a county tax-foreclosure deadline, or the other way around. Follow each notice and confirm each process separately.
Do I have to pay back taxes before selling?
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. Mortgage balances, liens, back taxes, and your share of current property taxes are separate amounts to review.
What if the payoff is more than my Warren house is worth?
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 and have the title and lien details reviewed. Any lender decision is specific to the property and case.
What happens after I contact USA Home Buyers?
Share the Warren property address and the mortgage or tax notice you have. We review the house as-is and give you written offer terms before you commit. If you choose to proceed, a title company reviews title, payoff, and lien details while we work toward closing. For a mortgage sheriff sale, we use the agreement to ask for a postponement; confirm any changed date with the official contact on your notice.
Testimonials are real, from our transactions, verified and approved by our attorneys.
What sellers say about USA Home Buyers
Talk through the foreclosure notice
Call 888-274-5006 or send the Warren property address. We buy houses as-is in Warren and Macomb County.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the sale or payoff information you have.