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Selling a house in foreclosure in South Carolina.
South Carolina foreclosures go through the court system, which means there are formal steps along the way and time to understand your options.
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Foreclosure · South Carolina
How it works in South Carolina.
In South Carolina, a lender has to file a lawsuit to foreclose. The homeowner is served with a summons and complaint and generally has a set time to answer. If the court rules for the lender, the sale is usually handled by a master-in-equity or a special referee, depending on the county. Many homeowners still have choices before that sale, such as working with the servicer or selling the home.
The first step is usually a direct conversation with your loan servicer about what options it offers. A HUD-approved housing counselor can help you prepare for that conversation for free, and SC Housing points homeowners to these counselors across the state. Please be careful with anyone who asks for an upfront fee to save your home or asks you to sign over your deed. Doorbloom cannot stop a foreclosure; it only helps you hear from professionals.
South Carolina specifics
What to know in South Carolina.
Foreclosure here is judicial
South Carolina foreclosures go through the courts. The lender files a lawsuit, and the homeowner is served with a summons and complaint and has a limited time to respond. A local attorney can explain the deadlines in your case.
Masters-in-equity handle many sales
In many South Carolina counties, foreclosure cases are referred to a master-in-equity or special referee, who conducts the sale. Notice of the sale is published in a newspaper and posted publicly before it happens.
The upset bid period
South Carolina does not give homeowners a right to redeem the home after the sale. If the lender does not waive a deficiency judgment, bidding stays open for a period after the sale, called the upset bid period. Your attorney can tell you whether this applies to your case.
Deficiency judgments are possible
South Carolina does not have a general anti-deficiency law, so a lender may seek the difference between the debt and the sale price. A borrower can ask the court for an appraisal after the sale, which can limit the deficiency if the sale price was below fair market value.
SC Housing points to free help
SC Housing, the state housing finance agency, lists free HUD-approved housing counseling through non-profit and government agencies across the state. Its borrowers can also request a loss mitigation review directly from SC Housing.
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 South Carolina 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 South Carolina homeowners.
Is South Carolina a judicial foreclosure state?
Yes. Foreclosures in South Carolina go through the courts, starting with a summons and complaint. That gives homeowners a chance to respond and to talk with their servicer, a housing counselor or an attorney before any sale.
Can I sell my house during foreclosure in South Carolina?
Many homeowners can sell before the foreclosure sale, as long as the sale pays off or settles the loan with the lender's agreement. Talk with your servicer early about payoff figures or a short sale, and with an attorney about timing.
Is there a right of redemption after a foreclosure sale in South Carolina?
No, South Carolina homeowners generally cannot redeem the home after the sale. When a deficiency judgment is not waived, bidding stays open for an upset bid period. A local attorney can explain how this works in your county.
Where can I get free foreclosure help in South Carolina?
Free HUD-approved housing counselors work throughout South Carolina, and SC Housing's website links to them. If your loan is with SC Housing, you can contact its loss mitigation team. Be cautious of anyone charging upfront fees to save your home.
Is Doorbloom buying my house?
No. Doorbloom is a platform that connects South Carolina 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.
Official South Carolina resources
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