A Minnesota sheriff's sale is usually not move-out day, Midwest Home Co. reminds homeowners

MINNEAPOLIS - EntSun -- Midwest Home Co., a Minnesota real estate advisory company, is highlighting a point that many families miss when they first open a foreclosure notice: after a sale by advertisement, most mortgagors have a redemption period in which they may still redeem the property, and in many cases may still sell it, if they can meet the statutory requirements before the deadline.

Minnesota Statutes section 580.23 generally provides a six-month redemption period after the sale. A twelve-month period applies in situations listed in the statute, including certain larger or agricultural properties and cases where the amount claimed due is less than 66-2/3 percent of the original principal amount. A court may reduce the period to five weeks for certain abandoned residential properties under section 582.032. An eligible homeowner who postpones the sale under section 580.07 generally receives a later sale date but a five-week redemption period afterward.

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"The paperwork is frightening, and the timeline is easy to misread," a spokesperson for Midwest Home Co. said. "Families deserve a clear explanation of what the sale date does and does not mean, and they deserve to know where they can get free legal and housing-counseling help."

Homeowners should read their notices carefully and consider contacting:

- A HUD-approved housing counselor: https://www.hud.gov/findacounselor
- The Minnesota Attorney General's foreclosure guide: https://www.ag.state.mn.us/consumer/publications/facingmortgageforeclosure.asp
- The Minnesota Homeownership Center, or a licensed Minnesota attorney

Midwest Home Co. offers a free, confidential MN Foreclosure Help consultation to review options in plain language, including working with a lender or exploring a sale when that is the better path. Licensed real estate services are provided by a licensed MN REALTOR® with Real Broker, LLC. Midwest Home Co. itself is not a licensed brokerage, law firm, lender, or HUD-approved housing counseling agency.

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More information is available at https://www.midwesthomeco.com/foreclosure-help or by calling (612) 493-0060.

This is not legal advice. Midwest Home Co. is a Minnesota real estate advisory company, not a law firm, lender, or HUD-approved housing counseling agency. For legal questions, consult a licensed Minnesota attorney. Free HUD-approved foreclosure counseling is available at hud.gov/findacounselor.

Media contact:
Midwest Home Co.
info@midwesthomeco.com
(612) 493-0060
https://www.midwesthomeco.com/contact