If catching up isn't realistic, selling before the sheriff sale can pay off the loan and keep the house from being sold at auction.
Pennsylvania foreclosures go through the courts. For most owner-occupied homes, the lender has to send an Act 91 notice before filing, which explains your right to meet with a housing counseling agency and to apply for state help. If the loan isn't brought current, the lender files a complaint, gets a judgment, and the house is scheduled for a sheriff sale.
The process often takes many months, which means you usually have more time than it feels like. But that time is valuable, and the longer you wait, the fewer options you have left.
If you want to keep your house, start here. These are free, and they're better options than selling if they work for you.
Be careful of anyone who charges an upfront fee to "save" your house. Legitimate help is free.
If keeping the house isn't realistic, selling before the sheriff sale is usually better than letting it go to auction. The loan is paid off at closing, and any money left over after the payoff goes to you, instead of disappearing at auction.
To be clear about what we do: we buy houses. We don't negotiate with your lender, arrange loan modifications, or stop foreclosures. If you owe close to or more than the house is worth, a sale may need your lender's approval, so tell us what you owe up front and we'll tell you honestly whether a sale can work.
We're based in Franklin and buy throughout western Pennsylvania, including Franklin, Oil City, Grove City, and Butler and the towns around them.
Not always. If there's enough time to close before the sale date, the loan is paid off at closing. Call as early as you can, because every week helps.
Then a sale usually requires your lender to agree to accept less than the full payoff. Tell us what you owe, and we'll tell you honestly whether it can work.
No. We buy houses, and a sale pays off the loan. For help keeping your home, contact your lender, a HUD-approved housing counselor, or Pennsylvania's HEMAP program.
No. There's no fee to get an offer, and no fee to sell to us.
Expect a call or text within 24 hours.
Questions in the meantime? (814) 346-1757