Mortgage Foreclosure Sales

Sale Schedule and Location

Mortgage foreclosure sales are held every Friday at 11 AM at the Michael Kobza Hall of Justice, 990 Terrace Street, Second Floor, Muskegon, MI.

Sales may be adjourned, canceled, or rescheduled without prior notice. Properties are typically advertised in local legal publications (e.g., Muskegon County Legal News, Muskegon Chronicle). Adjournments are posted weekly in the lobby of the Michael Kobza Hall of Justice if the sale has been adjourned, postponed, or cancelled.

Bidding and Auction Process

  • The auction begins with a reading of all properties, including addresses and opening bids set by the plaintiff (mortgage lender).
  • This is an open auction. Third-party bidders may submit bids of at least $1 more than the current high bid. Subsequent bids must increase in $1,000 increments.
  • Bidding occurs after the initial reading. The highest bidder wins.
  • If you are the successful bidder, you must provide the full amount within 1 hour after the sale concludes, using a cashier’s check. The 1 hour accommodates drive time to and from the bank and time to obtain the cashier’s check.

Payment Requirements

  • Payment must be made with bank-certified funds (cashier’s check) payable to the mortgage company.
  • Any overage (amount exceeding the debt owed to the mortgage company) must be paid in certified funds, payable to the Muskegon County Clerk, at the time of payment.
  • All payments are due at the conclusion of the sale.

Important Information and Disclaimers

  • Properties are sold “as is, where is.” Buyers assume all responsibility for legal encumbrances (liens, back taxes, levies, etc.)
  • The Sheriff’s Office acts solely as auctioneer, does not have information about properties, prices, condition, or occupancy, cannot permit inspections, and does not provide legal advice. Prospective buyers are encouraged to conduct a title search through a title company or attorney and to consult an attorney specializing in foreclosure law for legal advice.

Frequently Asked Questions

Q: Where can I find the list of properties for sale?
A: Properties are typically advertised in local legal publications (e.g., Muskegon County Legal News, Muskegon Chronicle). Adjournments are posted weekly in the lobby of the Michael Kobza Hall of Justice if the sale has been adjourned, postponed, or cancelled.

Q: Who do I contact about a home being foreclosed?
A: Contact the law firm or mortgage company handling the foreclosure. Information listed in the legal notice.

Q: How do I get a copy of the Sheriff’s Deed?
A: Deeds are recorded at the Muskegon County Register of Deeds Office after the sale.

Q: What is the redemption period?
A: The redemption period is stated on the Sheriff’s Deed. Contact the Register of Deeds for further information.

Q: When do I have to move after redemption expires?
A: Contact the new owner listed on the Sheriff’s Deed for move-out instructions.

Q: Does the Sheriff’s Office handle evictions?
A: No. Evictions are handled through the 60th District Court. And their authorized Court Officers, who execute the court's eviction orders.

Q: How much did a property sell for?
A: The sale price is listed on the recorded Sheriff’s Deed, which is available from the Register of Deeds approximately 21 days after the sale.

Q: My home was sold for unpaid taxes, not mortgage foreclosure—who do I contact?
A: Contact the Muskegon County Treasurer’s Office.