Kansas foreclosure help
Facing foreclosure in Kansas? Know your options.
Kansas foreclosures go through the courts, which usually takes months, not days. At most points before the Sheriff's Sale you can sell the house and keep your equity, and after the sale you may have redemption rights you can sell. United Equity buys houses in foreclosure and buys redemption rights across Kansas. The money goes to you, not the lender.
No pressure. Just information.
The process
How foreclosure works in Kansas.
- Missed payments and letters. Under federal rules, most mortgage servicers cannot make the first foreclosure filing until you are more than 120 days behind.
- The lawsuit. The lender files a foreclosure case in the district court of the county where the house is.
- The judgment. The court enters a judgment for the lender.
- The Sheriff's Sale. The county sheriff sells the house at public auction. The lender often bids what it is owed.
- Confirmation. The court confirms the sale.
- The redemption period. Usually 12 months, or 3 months if less than one-third of the original loan was paid. During this time the owner can buy the house back and is generally entitled to stay in it.
Courts can shorten or end the redemption period if a house is abandoned. If you are still living there, do not move out before you know your options.
Your options
Your options at each stage.
| Stage | What you can usually do |
|---|---|
| Behind, no lawsuit yet | Catch up, ask your lender about a loan modification, or sell the house and pay off the loan at closing |
| Lawsuit filed | Keep working with the lender, sell before judgment, or pursue a short sale or deed in lieu if you owe more than the house is worth |
| Judgment entered, sale scheduled | Sell before the Sheriff's Sale. This is often the last chance to keep most of your equity |
| After the Sheriff's Sale | Redeem the house by paying the sale amount plus costs, or sell your redemption rights for cash |
Selling while behind
Can I sell my house if I am behind on payments?
Yes. You still own the house until the process ends. When you sell, the title company pays off the mortgage, including what is past due, from the sale. Whatever is left after the mortgage, liens, and closing costs belongs to you.
If the house is worth more than you owe, selling before the Sheriff's Sale is often the best way to protect that equity. At the sale, the lender usually bids the amount it is owed, and much of the difference can be lost.
After the sale
What are redemption rights in Kansas?
After a Sheriff's Sale, Kansas law usually gives the former owner a period of time to buy the house back by paying the sale amount plus interest, costs, and taxes. That right can have real value, and in many cases it can be sold.
United Equity buys redemption rights. When we do, the money goes to the homeowner, not the lender. Being named on the mortgage does not always mean you hold the rights; divorce, death, or bankruptcy can change who does. Learn more about redemption rights.
Protect yourself
How to spot a foreclosure scam.
Foreclosure cases are public record, so letters, calls, and knocks start quickly. Be careful with anyone who:
- Asks for money upfront to stop or delay the foreclosure
- Guarantees they can stop the foreclosure
- Wants you to sign the deed over before you are paid
- Does not use a title company for closing
- Pressures you to sign today
A real sale uses a written offer and a title company, and you are paid at the same closing where you sign the deed.
How we help
How United Equity helps Kansas homeowners in foreclosure.
- Sell as-is before the sale. Cash, no repairs, and a closing date that beats the Sheriff's Sale when timing allows
- Sell and stay. A leaseback lets you sell and rent the house back while you plan your next step
- Sell redemption rights after the sale. The money goes to you, not the lender
- Free title review. We check what is recorded against the house before you decide anything
Questions people ask
Straight answers.
How long does foreclosure take in Kansas?
It varies by county and by case. Because Kansas foreclosures go through the courts, the process usually takes months. After the Sheriff's Sale, the redemption period is usually 12 months, or 3 months in certain cases.
Can I stay in my house during foreclosure in Kansas?
Generally, yes. You keep ownership until the sale, and during the redemption period after the sale the owner is generally entitled to possession, unless a court shortens the period because the house was abandoned.
Will selling my house stop the foreclosure?
If the sale closes before the Sheriff's Sale, the lender is paid at closing from the proceeds, which resolves the foreclosure.
Is it too late after the Sheriff's Sale?
Often not. During the redemption period you may be able to redeem the house or sell your redemption rights for cash.
Does it cost anything to talk with you?
No. The call, the walk-through, the title review, and the offer are free.
Keep reading
Related pages.
Talk through your options.
Call, text, or fill out the short form. We will tell you what we can offer and answer every question you have.
No pressure. Just information.