Northampton County guide · Foreclosure & sheriff sale

Facing Foreclosure in Northampton County, PA: Sheriff Sale Guide

Northampton County holds one sheriff's sale every month, typically on the Friday of the first full week, and each sale begins at 10 a.m. in County Council Chambers on the third floor of the Government Center in Easton. The county advertises new properties once a week for three consecutive weeks before the sale. If your address is on a list, you have a short window to act.

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Kaizen's county notes describe older Easton and Bethlehem rowhouses and twins, flood risk along the Delaware and Lehigh rivers and aging systems in 19th-century homes. Those traits can make a retail sale slow when time is short. This guide covers Act 91, the Northampton sale rules and options. It is general information, not legal advice.

Step by step in Northampton County

  1. 1

    Look for the Act 91 notice

    Your lender uses an Act 91 notice to tell you about HEMAP. PHFA says to apply within 33 days of the notice date, and the lender cannot act further while the application proceeds. The home must be owner-occupied, and the delinquency caused by events outside your control.

  2. 2

    Call the free counselors

    PHFA says any Pennsylvania resident can get housing counseling at no charge. After the counselor meets with you, you have 30 days to submit the HEMAP application, and PHFA has 60 days to decide. The number is 1.855.U.Are.Home (827.3466).

  3. 3

    Find the sale date

    The county says the full list of properties for each month is on its sheriff sale dates page, and the sale page points to the Revenue Office at 610-829-6200 for dates. When we read the dates page, it showed no events. If you cannot find your address, call the Sheriff's Department at 610-829-6500.

  4. 4

    Watch the three weeks of advertising

    New properties are advertised once a week for three consecutive weeks before the sale, in a newspaper of general circulation and the Northampton County Reporter. If you see your address in the paper, the sale is close. Contact your lender's attorney and your counselor the same day.

  5. 5

    Understand what bidders pay

    A bidder pays a 10 percent deposit at the time of sale, in cash, money order or check payable to the Sheriff of Northampton County. The balance is due within 21 calendar days.

  6. 6

    Consider flood and age issues

    Kaizen's county notes flag flood risk along the Delaware and Lehigh rivers and aging systems in 19th-century homes. A buyer using a mortgage may ask for repairs or a lower price, which takes weeks. With a monthly sale, that matters.

  7. 7

    Get a payoff and compare options

    Ask your servicer for a written payoff. If the house is worth more than the debt, a sale before the auction may protect equity. If it is worth less, ask a counselor or attorney about lender approval. Weigh a workout, a listing and a cash sale together.

Typical timeline

StageTypical time
Act 91 notice, HEMAP application33 days from the notice date
Counselor submission, then PHFA decision30 days to submit; PHFA then has 60 days
Sale advertisingOnce a week for three consecutive weeks before the sale
Northampton sheriff saleMonthly, typically the Friday of the first full week, 10 a.m.
Bidder pays the balanceWithin 21 calendar days
Kaizen offer and closingOffer in 24 hours; close in 14 to 30 days or on your date

Northampton County offices you may deal with

Northampton County Sheriff's Department

669 Washington Street, Easton, PA 18042

610-829-6500

Monthly sheriff sales, bidding terms and sale dates.

Official page

Pennsylvania Housing Finance Agency

1.855.827.3466

Act 91, HEMAP and free housing counseling.

Official page

Your selling options

Owners generally have several paths: HEMAP if eligible, a workout with the lender, a short sale, a listing with an agent or a cash sale. A listing can bring the most when the house is sound and the sale date is months away. A riverfront rowhouse with deferred repairs may take longer to find a buyer who can get a loan, and a monthly sale schedule leaves little slack.

Kaizen can make an as-is cash offer within 24 hours, with no repairs and no agent commission, and close in 14 to 30 days or on your date. We do not control whether the lender's attorney postpones a Northampton sale. Share your sale date and payoff with your attorney too. Call 267-329-0084.

Northampton County foreclosure questions

When are Northampton County sheriff sales?

The county says one sale is held every month, typically on the Friday of the first full week. Sales begin at 10 a.m. in County Council Chambers on the 3rd floor of the Government Center, 669 Washington Street, Easton.

How are Northampton sheriff sale properties advertised?

New properties are advertised once a week for three consecutive weeks before the sale, in a newspaper of general circulation and the Northampton County Reporter.

How much must a bidder pay in Northampton County?

The county says 10% at the time of sale, in cash, money order or check payable to the Sheriff of Northampton County. The balance is due within 21 calendar days.

What is an Act 91 notice?

It is a mailed notice from your lender that points you to HEMAP. Per PHFA, you apply within 33 days of the notice date, and the lender cannot proceed while the application is under way. Free counselors take calls at 1.855.827.3466.

Can Kaizen close before a Northampton County sheriff sale?

Kaizen can make an as-is cash offer within 24 hours and close in 14 to 30 days or on your date. Whether it works before a given sale depends on the payoff and the lender's attorney.

Related Northampton County pages

Sell your house fast in Northampton CountyHow to Sell an Inherited House in Northampton County (Probate Guide)Selling a House Facing Foreclosure in BethlehemWhat is an Act 91 notice in Pennsylvania and what should I do when I get one?How long does foreclosure take in Pennsylvania?How much notice do I get before a sheriff sale in Pennsylvania?Can I sell my house after a sheriff sale is scheduled in Pennsylvania?Can I stop a sheriff sale in Philadelphia?What is HEMAP and who qualifies in Pennsylvania?Facing Foreclosure in Berks County, PA: Online Sheriff Sale GuideFacing Foreclosure in Lackawanna County, PA: Sheriff Sale GuideFacing Foreclosure in Lehigh County, PA: Options Before a Sheriff SaleFacing Foreclosure in Luzerne County, PA: Sheriff Sale GuideFacing Foreclosure in New Castle County, Delaware: Mediation and Sheriff Sale GuideFacing Foreclosure in Kent County, Delaware: Mediation and Sheriff Sale GuideFacing Foreclosure in Sussex County, Delaware: Mediation and Sheriff Sale GuideFacing Foreclosure in Atlantic County, NJ: Court Steps, Mediation and Sheriff SaleBergen County, NJ Foreclosure Guide: Court Timeline and Sheriff Sale RulesBurlington County, NJ Foreclosure: Timeline, Adjournments and Your OptionsCamden County, NJ Foreclosure: Wednesday Sheriff Sales and Your OptionsCape May County, NJ Foreclosure Guide: Seasonal Homes, Court Steps and OptionsCumberland County, NJ Foreclosure: Court Steps, Mediation and Selling OptionsEssex County, NJ Foreclosure Guide: Multifamily Owners, Mediation and OptionsFacing Foreclosure in Gloucester County: Sheriff Sale and Mediation GuideFacing Foreclosure in Hudson County: Sheriff Sale and Mediation GuideFacing Foreclosure in Hunterdon County: Flemington Sheriff Sale GuideFacing Foreclosure in Mercer County: Trenton Sheriff Sale and Mediation GuideFacing Foreclosure in Middlesex County: Sheriff Sale and Mediation GuideFacing Foreclosure in Monmouth County: Freehold Sheriff Sale and Mediation GuideFacing Foreclosure in Morris County: Morristown Sheriff Sale and Mediation GuideForeclosure in Ocean County, NJ: Options Before the Sheriff's SaleForeclosure in Passaic County, NJ: Options Before the Sheriff's SaleForeclosure in Salem County, NJ: Options Before the Sheriff's SaleForeclosure in Somerset County, NJ: Options Before the Sheriff's SaleForeclosure in Sussex County, NJ: Options Before the Sheriff's SaleForeclosure in Union County, NJ: Options Before the Sheriff's SaleForeclosure in Warren County, NJ: Options Before the Sheriff's SaleFacing Foreclosure in Philadelphia County: Diversion Program and Sheriff Sale GuideFacing Foreclosure in Delaware County, PA: Sheriff Sale GuideFacing Foreclosure in Montgomery County, PA: Online Sheriff Sale GuideFacing Foreclosure in Bucks County, PA: Sheriff Sale GuideFacing Foreclosure in Chester County, PA: Sheriff Sale Guide

Sources

General information, not legal or tax advice. Rules change; confirm details with the office or a professional.

  1. Sheriff's Department Sales Information (Northampton County, PA, undated page)
  2. Sheriff Sale Dates (Northampton County, PA, undated page; no sale dates listed when read)
  3. Foreclosure: Act 91 Notice and HEMAP (Pennsylvania Housing Finance Agency, undated page)
  4. County market notes (Northampton County) (Kaizen Home Buyers, 2026-07-15)
  5. Kaizen process steps (Kaizen Home Buyers, 2026-10-23)

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