Which type of foreclosure are you facing?
Select the type of foreclosure that matches your situation best or view all of them to see the differences in options.
This refers to a foreclosure that’s a result of an owner failing to pay their property taxes. The county initiates legal proceedings so they can sell the property through a Sheriff’s Sale to cover any unpaid taxes.
This type of auction typically has a redemption period, where you can pay what you owe, plus a fee to buy your property back.
If you own your property outright or you are on a reverse mortgage and are responsible to pay the taxes.
The county will send you several letters prior to the auction date. Don’t ignore the mail.
You have several options. Click on the PROPERTY TAX button above to see all your options
This refers to a foreclosure on a traditional mortgage that’s a result of an owner failing to pay their mortgage payments. The mortgage company initiates legal proceedings in the hopes that they can sell the property to recover the balance due.
A reverse mortgage may lead to foreclosure if the owner passes away, falls behind on property taxes, stops maintaining the home, or no longer lives there. In any of these situations, the property may be sold, the family can choose to buy it from the estate, or we can assist you in navigating solutions with the lender.
HOA foreclosure occurs when a homeowner falls behind on payments owed to a homeowners association, such as monthly dues, special assessments, or fines. HOAs have the legal authority to place a lien on the property and can foreclose on that lien if the debt remains unpaid. This can happen independently of any mortgage, meaning a homeowner could lose their home to the HOA even if they’re up to date with their lender.