Can I sell my Warwick house before foreclosure?

If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.

Yes, you may still be able to sell before a mortgage foreclosure sale if the closing can happen first. Rhode Island lenders can foreclose without a court case when the mortgage includes a power of sale; they can also foreclose through a court case. The sale date and mortgage payoff matter, so tell us what the notice says and we can talk through the timing.

USA Home Buyers buys houses in Warwick, Rhode Island. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 or use the form to tell us about the house and the date on your notice.

We give written cash offers in 24 hours.

Share the property address and the foreclosure or sale-date information you have.

Read our Google reviews

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

If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.

The title company works through the title and mortgage payoff details with the people involved in the sale. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from closing costs.

When you sell to us, we pay the closing costs, including Rhode Island's real estate conveyance tax. No agent commissions when you sell to us. No fees.

Which sale is involved?

Mortgage foreclosure

Rhode Island lenders can use a power of sale in the mortgage or bring a foreclosure case in court. For a covered first mortgage on an owner-occupied home with one to four units, the lender normally must take part in a free mediation conference through a Rhode Island HUD-approved housing counseling agency before a power-of-sale foreclosure. Reverse mortgages, defaults on or before May 16, 2013, and other statutory exceptions are excluded. The conference is to be scheduled within 60 days after the notice is mailed. Rhode Island’s mediation law explains the process.

Before a power-of-sale foreclosure is advertised, the lender mails the owner a notice by certified mail. For a typical homeowner loan, that is at least 30 days before the first newspaper notice. The sale notice then runs once a week for three weeks in a row, starting at least 21 days before the sale. A completed auction under the statutory power of sale ends the owner’s right to redeem the house.

R.I. Gen. Laws § 34-11-22 — power of sale and auction · § 34-27-4 — mailed notice and publication · Chapter 34-27 — court foreclosure and mediation

Warwick property-tax sale

Unpaid property taxes follow a separate municipal tax-sale process under Rhode Island law. Its notice and dates are separate from a mortgage foreclosure. The Warwick Tax Collector handles property-tax accounts and Municipal Lien Certificates; call us with either notice and we’ll sort out which deadline you’re facing.

R.I. Gen. Laws Chapter 44-9 — tax sales · Warwick Tax Collector

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

Call or send the property address and the sale date shown on your notice.
We talk through the house, payoff information, and the timing you are facing.
You get written offer terms before you commit, and we close through a title company.
If you choose to proceed, the title company works through title, payoff, and closing details with us.

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.

Warwick and Rhode Island foreclosure help

RIHousing’s HelpCenter provides HUD-approved counseling to Rhode Island homeowners who are struggling to make mortgage payments. Its counselors can review options with you and your lender. Read about RIHousing homeowner assistance.

For a mortgage foreclosure court case, the Rhode Island Judiciary’s Superior Court page lists the Kent County Clerk at (401) 822-6900. The Judiciary Public Portal provides court-case information. Rhode Island Superior Court contacts · Rhode Island Judiciary Public Portal

Compare possible sale proceeds

Use the Warwick home-sale net proceeds calculator → to compare possible proceeds.

What our sellers say

BBB A rating Read our Google reviews

“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

Questions about selling before foreclosure in Warwick, RI

Can I sell my Warwick house before a foreclosure sale?

Yes, you may still be able to sell if the closing can happen before the mortgage foreclosure sale. We look at the sale date, mortgage payoff, and title with you. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.

Is a mortgage foreclosure the same as a Warwick property-tax sale?

No. A mortgage foreclosure concerns the home loan. A sale for unpaid Warwick property taxes follows a separate municipal process with its own notice and dates. The Warwick Tax Collector handles property-tax accounts; we can look at the notice with you and sort out which sale it describes.

Can I get help if I am behind on my mortgage?

RIHousing’s HelpCenter provides HUD-approved counseling to Rhode Island homeowners who are struggling to make mortgage payments. For certain first mortgages on owner-occupied homes with one to four units, Rhode Island law also provides a mediation conference before a power-of-sale foreclosure, subject to exclusions and other statutory exceptions.

What happens at a Rhode Island power-of-sale auction?

It is a public auction. Once a sale under the statutory power of sale is completed, the owner’s right to redeem the house ends. (R.I. Gen. Laws § 34-11-22.)

What if the mortgage payoff is more than my Warwick house is worth?

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

What costs do I pay when I sell to you?

Your mortgage payoff, liens, back taxes, and share of current property taxes are separate. When you sell to us, we pay the closing costs, including Rhode Island's real estate conveyance tax. No agent commissions when you sell to us. No fees.

What happens after I contact USA Home Buyers?

We talk through the house, sale date, and payoff information you have. You get a written offer and written terms before you commit, and we close through a title company. If you choose to move forward, we work with the title company on title and payoff details. Close as fast as 7 days when title and closing details allow.

Talk with us about the sale date

Call 888-274-5006 or use the form above. Tell us what is happening with the house and the date on your notice.

We give written cash offers in 24 hours.

Share the property address and what you want to talk through.