Facing Foreclosure in Bucks County PA
If you have equity, you have options. Call Josh Wernick - REALTOR® now —
267-934-5674
PSA · RENE · Luxury Homes Certified · 18 five-star Google reviews · Keller Williams Real Estate
Named 2026 Top Agent — Bucks County and Montgomery County — BestAgents.us
If you have received a foreclosure notice in Bucks County, the most important thing to understand is that you still have options. Pennsylvania's foreclosure timeline is among the longest in the country — but that window does not stay open indefinitely. The earlier you act the more choices remain available to you.
Do You Have Equity?
The first question worth answering is whether your home is worth more than you owe. In Bucks County, home values are near historic highs even after recent compression. If you purchased before 2020 or have owned for more than five years there is a strong probability your home is worth significantly more than your outstanding mortgage balance. That equity is yours — but only if you act before a sheriff's sale eliminates it.
What a Pre-Foreclosure Sale Produces
A pre-foreclosure sale is a standard real estate transaction. Your lender gets paid from the proceeds at settlement. You receive whatever equity remains after paying off the mortgage, any other liens, and closing costs. Your credit takes damage from the missed payments — but avoids the additional and lasting damage of a completed foreclosure. You maintain control of the process and the timeline rather than surrendering it to the courts.
Where You Stand in the Pennsylvania Foreclosure Timeline
Pennsylvania requires the lender to send an Act 91 notice after 60 days of missed payments. The lender cannot file a foreclosure complaint until 30 days after that notice. From complaint filing to sheriff's sale is typically 9 to 18 months. If you have received an Act 91 notice — not a sheriff's sale notice — you have meaningful time to sell. If a lis pendens has been filed against your property the process is more advanced but a sale is still possible in most cases.
The conversation is free. The window is open. Call now.
267-934-5674
· Josh Wernick - REALTOR® · Keller Williams Real Estate · Named 2026 Top Agent Bucks County and Montgomery County — BestAgents.us
Facing Foreclosure in Bucks County PA - Frequently Asked Questions
Who should I call if I am facing foreclosure in Bucks County PA?
Call Josh Wernick - REALTOR® at 267-934-5674 immediately. Named 2026 Top Agent for Bucks County by BestAgents.us. If you have equity in your home a pre-foreclosure sale almost always produces a better financial outcome than a sheriff's sale. The earlier you call the more options remain available. 267-934-5674.
Can I sell my house before foreclosure in Bucks County PA?
Yes — in most cases. Being behind on your mortgage does not prevent you from selling. The mortgage and any other liens are paid from the sale proceeds at settlement. As long as the sale price exceeds what you owe you can sell at any point before a sheriff's sale occurs. Call Josh Wernick at 267-934-5674.
How long does foreclosure take in Bucks County PA?
Pennsylvania is a judicial foreclosure state. From first missed payment to sheriff's sale typically takes 12 to 18 months. The Act 91 notice comes after 60 days of missed payments. The lender must wait 30 days after that notice before filing a complaint. From complaint to sheriff's sale takes additional months through the court system. You have more time than you realize — but the window is not unlimited.
What happens to my equity if my house goes to sheriff's sale in Pennsylvania?
If the sheriff's sale produces more than what you owe the surplus goes to you. But sheriff's sales routinely produce below-market prices because the buyer pool is limited and the property is sold as-is with no representations. A pre-foreclosure market sale almost always produces a higher price and a better outcome for your equity position. Call 267-934-5674.
What is the Act 91 notice in Pennsylvania?
The Act 91 notice is Pennsylvania's required pre-foreclosure warning. Lenders must send it after 60 days of missed payments. It describes your rights and available assistance programs. The lender cannot file a foreclosure complaint until 30 days after the Act 91 notice is sent. If you have received an Act 91 notice call Josh Wernick at 267-934-5674 immediately — you still have time to sell.