A foreclosure in Milford can run through one of two county sheriffs, depending on which side of the Kent and Sussex line the house is on. The state process is the same: a notice of intent, a complaint, a mediation conference in covered cases, and a sheriff sale. The county rules, sale days and deposits are not. Look at your court papers to see which sheriff is named. The two counties also keep different calendars, so a date that works for one will not work for the other, and a deposit rule in one is not the rule in the other.
No obligation. We respond within 24 hours.
An as-is cash offer from Kaizen Home Buyers can arrive within 24 hours, with no repairs, no agent commission and a closing in 14 to 30 days or on your date. We cannot postpone a sale. The lender, its attorney, the sheriff and the court control that.
Kent sells on the first Thursday of each month in Chamber Room 203 at 555 Bay Road, Dover. Bidders bring a $4,000 non-refundable instrument per property, and the winner pays 20 percent on sale day. The Sheriff's page says there is no redemption period after a foreclosure sale. Call 302-736-2161 for sale information.
Sussex sells on the third Tuesday of each month at 9:30 a.m. at 22215 N. Dupont Blvd, Georgetown. Bidders register from 9:00 to 9:30 a.m. with photo ID and a $4,000 deposit. On mortgage sales, 20 percent is due at the sale and the balance on the third Monday of the following month. Notices go on the property and public buildings, and ads run two weeks before the sale.
For an owner-occupied one-to-four family home, the Attorney General's free mediation program applies, and a counselor meeting and Certificate of Participation are due within 30 days of service. Before judgment or sale, the plaintiff must file a loss mitigation affidavit or the judgment is dismissed without prejudice. The hotline is (800) 220-5424. The notice of intent, which a lender must send 45 days before filing on a covered home, has to list the amount in default and housing counselor contacts and carry a 12-month accounting. Check that your copy does, and note the date it was mailed.
Send the address and the case papers if you have them. We estimate what the house would bring as it stands so you and your counselor can compare it with the payoff. That comparison tells you whether a sale before the auction protects equity. Milford includes older homes near the river as well as newer builds, so mention the age of the house and any past water problems you know about.
We cannot promise a closing before a sale date, because the title company still needs official payoffs and the lender's response. We aim for 14 to 30 days or the date you choose. Call 267-329-0084.
The court papers and sale notice name the county. Milford lies in both counties, so check the caption. If you are still unsure, call the Kent Sheriff at 302-736-2161 or the Sussex Sheriff at (302) 855-7700 with the address and ask which county holds the parcel.
Kent asks $4,000 per property, non-refundable. Sussex asks $4,000 at registration. Both require 20 percent of the bid at the sale on mortgage sales. Kent's deposit is non-refundable, while Sussex says its deposit is payable to the Sheriff of Sussex County, so a bidder must read the right county's page.
Yes, according to the Attorney General's page, for owner-occupied one-to-four unit primary residences.
We make as-is cash offers and can close in 14 to 30 days or on your date, subject to the lender and the court.
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
No obligation. No fees. Just a fair offer from a local buyer.