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Selling a house in foreclosure in Alabama.
Most Alabama foreclosures happen outside of court, which can move quickly. Knowing the steps can help you weigh your options calmly, including selling.
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Foreclosure · Alabama
How it works in Alabama.
Alabama is mainly a non-judicial foreclosure state. When a mortgage includes a power of sale, the lender can foreclose without filing a lawsuit by following the steps set out in state law, including publishing a notice in a local newspaper before the auction. Alabama does not require the lender to mail you a notice of the sale date itself, so watching your mail and staying in touch with your servicer matters.
Alabama is also one of the states where a former owner may have a right to redeem the home after the foreclosure sale. If you are behind on payments, start by calling your servicer and a free HUD-approved housing counselor. Be careful with anyone who asks for upfront fees or asks you to sign over your deed to stop a foreclosure, since those are common signs of a rescue scam.
Alabama specifics
What to know in Alabama.
Mostly non-judicial foreclosure
Most Alabama home foreclosures use the power of sale in the mortgage, so the lender does not need to go to court. A judicial foreclosure through a lawsuit is possible but less common. An attorney can tell you which type applies to your loan.
Notice is published in the newspaper
Under Ala. Code § 35-10-13, the sale notice is published once a week for three consecutive weeks in a newspaper in the county where the home is located. Alabama law does not require the sale notice to be mailed to the borrower, though federal servicing rules still apply before a foreclosure can start.
A right of redemption after the sale
Alabama gives former owners and certain others a right to buy the home back after the foreclosure sale. Under current law the period is generally one year, or 180 days for residential homestead property when the lender gives the required notice. The details are technical, so an attorney should review your dates.
Redemption notice for homestead property
For residential homestead property, Alabama law requires the lender to mail the borrower a notice about redemption rights by certified mail at least 30 days before the foreclosure date. The shorter homestead redemption period does not start until that notice is given.
Possession can affect redemption rights
Under Ala. Code § 6-5-251, if the buyer at the foreclosure sale makes a written demand for possession, the former owner must give up possession within ten days or may lose the right of redemption. Talk with an attorney before you move out or ignore a demand letter.
This is general information, not legal or tax advice. Rules can change and every situation is different, so confirm the details for your case with a Alabama attorney or the appropriate office.
Your options
There is more than one path.
Work out a solution with your servicer
A repayment plan, forbearance, or loan modification may let you keep the home. These options take paperwork and patience, and approval is not certain. A HUD-approved housing counselor can help you prepare and submit an application.
Sell with an agent or through a short sale
If you have equity and enough time, listing on the open market may bring the highest price. If you owe more than the home is worth, a short sale needs lender approval and can take a while. An agent experienced with foreclosure situations can explain what is realistic.
Explore offers through Doorbloom
You can share your home's details for free and hear from independent investors and real estate professionals, which some homeowners find simpler, especially when a home needs work. Offers may be below open-market value. Doorbloom cannot stop a foreclosure, and any sale still has to be completed and the loan paid before the foreclosure sale.
How it works
Three clear steps.
- 1
Tell us about your home
Share the address, condition and your timeline. It takes about a minute, and we only ask what is needed for the next step.
- 2
Review who is interested
Real estate investors and professionals review your home. You see who they are before anyone gets your contact details.
- 3
Choose your next step
Talk to the people you want, compare your options, or decide not to sell. There is no pressure and no obligation.
Questions
Questions from Alabama homeowners.
Is foreclosure in Alabama judicial or non-judicial?
Most Alabama foreclosures are non-judicial, meaning the lender uses the power of sale in the mortgage and does not file a lawsuit. Judicial foreclosure through the courts is possible but less common.
Can I still sell my Alabama house before the foreclosure sale?
Often, yes. Until the sale happens you generally still own the home, so a sale that pays off the loan, or a short sale your lender approves, may be possible. Ask your servicer for a payoff figure and talk with a housing counselor about timing.
Can I get my house back after a foreclosure sale in Alabama?
Alabama has a statutory right of redemption that can let a former owner buy the home back after the sale by paying the required amounts. Under current law the period is generally one year, or 180 days for some homestead property. Strict conditions apply, so speak with an attorney quickly.
Where can I get free foreclosure help in Alabama?
A HUD-approved housing counseling agency can review your options with your servicer at no cost. The Alabama Housing Finance Authority is the state housing finance agency, and Alabama Legal Help lists free legal resources. Avoid anyone charging upfront fees to stop a foreclosure.
Is Doorbloom buying my house?
No. Doorbloom is a platform that connects Alabama homeowners with real estate investors and professionals. Any offer comes from them, and nothing is binding until you sign a purchase agreement.
What does it cost?
Creating an account and telling us about your home is free for homeowners.
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