Expert answers from Michigan's trusted cash home buyers. Questions? Call (269) 389-9961 anytime.
Michigan non-judicial foreclosure (the most common type) takes approximately 6-12 months from first missed payment to the sheriff's sale. After the sheriff's sale, there is a 6-month redemption period (30 days for abandoned properties). Total: potentially 12-18 months from first missed payment to eviction.
After a Michigan sheriff's sale, the homeowner has 6 months to redeem the property by paying the full purchase price at the sale plus interest (1% per month) and costs. This redemption right is one of Michigan's strongest homeowner protections. For properties deemed abandoned, the period shrinks to 30 days.
Yes — you can sell at any point before the sheriff's sale. If you have equity, a cash sale can pay off the mortgage, stop the foreclosure, and protect your credit. Even after the sheriff's sale, you can sell during the redemption period if the sale price exceeds the redemption amount. Act quickly — the timeline compresses fast.
A sheriff's sale is the auction of a foreclosed Michigan property, conducted by the county sheriff. The lender typically bids in the outstanding loan amount. If another bidder bids higher, any excess above the loan goes to the homeowner. After the sale, the 6-month redemption period begins. The winning bidder cannot take possession until redemption expires.
A completed foreclosure stays on your credit report for 7 years and initially drops your score by 100-150 points. This affects your ability to get new credit, rent an apartment, and may affect employment. Selling before foreclosure completes — even in a short sale — typically results in less credit damage and a faster recovery timeline.
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