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Behind on Your Mortgage in Huntsville? How Alabama Foreclosure Works and Every Way Out

If you have missed mortgage payments, the most valuable thing you have is time. Here is how foreclosure works in Alabama, the deadlines that matter, and each option you have, from catching up to selling before a sale date.

Reviewed October 31, 2026 by George Lensch, broker, Wyze Realty. General information about Alabama, not legal, tax or financial advice.

Confidential Help If You Are Behind on Payments

Call before the sale date, not after. We will look at what the home would likely sell for, what you owe and how much time you have, and tell you honestly whether selling makes sense or whether you should talk to a counselor or attorney first.

Schedule a Confidential Call Call or Text (256) 808-6861

This Guide Is General Information, Not Legal or Tax Advice

Wyze Realty is a real estate brokerage. We are not a law firm, CPA, lender or housing counselor, and we cannot tell you what to do about your specific legal, tax or financial situation. For loan options talk to a free HUD-approved housing counselor; for redemption, deficiency or bankruptcy questions talk to an Alabama attorney; for taxes on forgiven debt talk to a CPA.

Laws, deadlines and programs change, and the right answer depends on your documents and facts. Nothing here guarantees a result, a price or a timeline. We cite our sources at the bottom so you can check them.

If you have missed mortgage payments, the most valuable thing you have is time. Alabama foreclosures move faster than most people expect because they usually do not go through a courtroom. The good news is that federal servicing rules build in real checkpoints, and at almost every stage there is still something you can do. This guide explains how foreclosure works in Alabama, which deadlines matter, what each option really involves, and who to call for the legal and financial side.

Read it in order if you can. If you are short on time, start with the checklist directly below, then use the timeline calculator to see the earliest dates that could apply to you.

This Guide Is General Information, Not Legal Advice

Wyze Realty is a real estate brokerage. We are not a law firm, lender, CPA or housing counselor, and we do not negotiate loan modifications or apply for them on anyone's behalf. Laws, deadlines and programs change, and the right answer depends on your documents. A free HUD-approved housing counselor and an Alabama attorney are the right people for the loan, legal and bankruptcy questions. Nothing here promises any result, price or timeline.

If You Are Behind Right Now, Start Here

Most of what decides how a foreclosure ends happens in the first few weeks after you realize you are in trouble. The checklist below is the short version of this whole page. Check things off as you go; it saves on your device so you can come back to it.

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Three things matter more than everything else on that list. First, find out whether a sale date has been set, because every other deadline counts from it. Second, get your loss mitigation application in, complete, as early as you can. Third, talk to a free HUD-approved housing counselor. You can find one through the Consumer Financial Protection Bureau's counselor search at consumerfinance.gov/find-a-housing-counselor. Legitimate counseling is free, and no legitimate helper asks you to pay upfront.

How Foreclosure Works in Alabama

Most home foreclosures in Alabama are nonjudicial. The lender does not have to file a lawsuit. Instead it uses the "power of sale" written into your mortgage and sells the home at a public auction. Because no judge has to sign off, the process can move from first notice to sale in a matter of weeks once it starts. Here is the sequence in plain English.

Missed payments. Late fees usually begin after the grace period in your note, and the servicer will start calling and writing about options. These early letters often include a loss mitigation application. Open every one.
The 120-day line. Under federal Regulation X, a servicer generally may not make the first notice or filing required to start a foreclosure until the loan is more than 120 days delinquent (12 CFR 1024.41(f)(1)). There are narrow exceptions, such as a due-on-sale violation or joining another lienholder's foreclosure. That window exists so you can apply for help.
The redemption notice for homestead property. If the home is your homestead, Alabama law requires the foreclosing lender to send you a notice of your redemption rights by certified mail at least 30 days before the sale, and to include it with the published notice (Ala. Code 6-5-248(h)). Watch for certified mail.
Newspaper notice for three weeks. The sale must be advertised once a week for three successive weeks in a newspaper published in the county where the home is. The notice must state the time, place and terms of the sale and describe the property (Ala. Code 35-10-13). Alabama generally treats this publication as the official notice of the sale, so do not wait for a separate letter announcing it.
The sale. By statute, the sale is held at the front or main door of the county courthouse where the property is, between 11 a.m. and 4 p.m. (Ala. Code 35-10-14). It is a public auction for cash to the highest bidder. Sales are often postponed by an announcement at the courthouse and a published continuation notice, so the date in the first notice is not always the final date.
The foreclosure deed. After the sale, a foreclosure deed is signed and recorded. It vests legal title in the buyer, and the probate judge indexes it in the county records (Ala. Code 35-10-12). From that point the home is no longer yours, although you may still have a right to redeem it.
Possession and redemption. The buyer can send you a written demand for possession. Under Ala. Code 6-5-251, if you do not deliver possession within 10 days after that written demand, you forfeit your right of redemption. If you stay, the buyer can go to court for possession.
Deficiency. If the sale brings less than you owed, Alabama law generally allows the lender to sue you separately for the shortfall. More on this below.

Put together, that means a sale is legally possible roughly five months after the first missed payment: about four months before the first notice can run, then at least three weeks of publication. That is an estimate derived from the rules, not an official figure, and reviews and postponements often stretch it. Still, plan as if you have less time, not more. For the full stage-by-stage breakdown, see our Alabama foreclosure timeline guide.

See the Earliest Dates for Your Situation

Enter the date of your first missed payment. The calculator shows the earliest points at which each step could legally happen. Your actual dates will usually be later, and the redemption estimate assumes the lender sent the required notice (see the redemption section below for why that matters).

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Already have a sale date, or a certified letter you do not understand? Call (256) 808-6861 or schedule a confidential call. There is no cost and no obligation.

Your Federal Protections While You Apply for Help

Regulation X, the federal rule that governs mortgage servicers, sets out how and when a servicer has to review you for "loss mitigation," which is the umbrella term for every alternative to foreclosure: repayment plans, forbearance, modifications, short sales and deeds in lieu. As of October 2026, the CFPB lists these provisions as the current regulation. The deadlines are measured from the scheduled sale date, so the earlier you apply, the more protection you get.

Rule	What it says	Why it matters to you
No first notice before 120 days	A servicer generally cannot make the first notice or filing for foreclosure until you are more than 120 days delinquent (1024.41(f)(1)).	Use those months to apply. They are the most protected time you will have.
Complete application before first notice	If you submit a complete application before that first notice, the servicer cannot start foreclosure until you have been found ineligible for every option and any appeal is over, you turn down every offer, or you fail to perform under an agreed option (1024.41(f)(2)).	Applying early and completely is the strongest position.
The 37-day line	If a complete application arrives after the first notice but more than 37 days before a sale, the servicer may not conduct the sale until the same conditions are met (1024.41(g)).	Count back 37 days from the sale date and treat that as a hard deadline for a complete file.
Acknowledgment in 5 business days	For an application received 45 or more days before a sale, the servicer must tell you in writing within 5 business days whether it is complete and list anything missing (1024.41(b)(2)(i)(B)).	Answer a missing-items letter immediately. A complete file is what triggers protection.
Decision within 30 days	A complete application received more than 37 days before a sale must be evaluated for all available options within 30 days, with a written decision (1024.41(c)(1)).	Ask for the decision letter in writing and keep it.
Time to accept an offer	At least 14 days to accept or reject if the application came in 90 or more days before a sale; at least 7 days if it came in 37 to 90 days before (1024.41(e)).	Do not let an offer expire while you think it over. Ask a counselor to review it with you.
Appeal a denial	If your application was received 90 or more days before a sale, you can appeal a loan modification denial, and the appeal must be filed within 14 days (1024.41(h)).	Another reason to apply early. Late applications lose appeal rights.
One full review	The servicer generally only has to do one full review, unless you brought the loan current after your last complete application (1024.41(i)).	Make your first complete application your best one.

"Complete" is the key word in every row. A partial package does not trigger most of these protections. Our options guide has a printable checklist of the documents servicers commonly ask for, and a HUD-approved counselor can help you assemble and send it.

Your Options, Side by Side

There are two families of options. Home retention options keep you in the house: reinstatement, repayment plans, forbearance, payment deferral and loan modification. Home disposition options end the loan without a foreclosure sale: selling, a short sale or a deed in lieu. Bankruptcy is a separate legal path. Which ones are open to you depends heavily on who owns or insures your loan.

Option	What it is	Often fits when	Watch out for
Reinstatement	Pay everything past due, including fees and costs, in one lump sum to bring the loan current.	The hardship is over and you can raise the money, for example from savings, family or a bonus.	Many mortgages contain a reinstatement clause that sets out when and how you can reinstate. Read yours and ask the servicer for a written reinstatement quote good through a date.
Repayment plan	Pay your regular payment plus part of the past-due amount each month until you are caught up.	Income is back to normal and can carry a higher payment for a while.	Get the plan in writing. Missing a plan payment can restart the foreclosure.
Forbearance	Payments are paused or reduced for a set period.	A short-term hardship with a clear end, like a medical leave or a gap between jobs.	The skipped amount still has to be dealt with. Ask exactly how before you accept.
Payment deferral	Missed payments are moved to a non-interest-bearing balance due when you sell, refinance or pay off the loan.	You can afford the regular payment again but cannot repay the arrears.	Eligibility rules vary by loan owner and how far behind you are.
Loan modification	The servicer permanently changes the loan terms to lower the payment, often after a trial period.	The hardship is long-term but you can afford the home at a lower payment.	Make every trial payment on time and keep answering document requests.
Sell the home	List and sell on the open market, pay off the loan at closing and keep the equity.	The home is worth more than you owe plus selling costs.	Time. Start as early as possible and tell your agent the sale date on day one.
Short sale	Sell for less than you owe with the lender's approval.	You owe more than the home will sell for.	Every lienholder must approve. Ask for a written deficiency waiver and talk to a CPA about taxes. See our short sale guide.
Deed in lieu	You sign the house over to the lender instead of a sale.	The home will not sell and the lender agrees.	You generally need clear title. Second mortgages and other liens can block it. See short sale vs. deed in lieu.
Bankruptcy	Filing creates an automatic stay that generally pauses collection, and Chapter 13 can let you catch up over time.	You are behind on several debts, or need time to cure arrears under court supervision.	This is a legal decision with long consequences. Talk to a bankruptcy attorney. See our bankruptcy guide.

Which Option Fits Me?

Answer a few questions to see which options usually fit situations like yours, and who to talk to next. It is a starting point for the conversation with your counselor or attorney, not a decision.

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Options Depend on Who Owns Your Loan

Your servicer is the company you send payments to, but the rules it follows come from whoever owns or insures the loan: Fannie Mae, Freddie Mac, FHA, VA, USDA, or a private investor. Ask your servicer directly, "Who is the investor or insurer on my loan?" The answer tells you which menu of options applies. The big changes to know about as of October 2026:

Fannie Mae and Freddie Mac offer forbearance, repayment plans, payment deferral, the Flex Modification, short sales and deeds in lieu. Fannie Mae says its Flex Modification targets about a 20% reduction in principal and interest. Freddie Mac's forbearance can run 1 to 6 months at a time with total extensions of no more than 12 months.
FHA loans moved to a new permanent loss mitigation waterfall. HUD's Mortgagee Letter 2025-06 removed FHA-HAMP and Special Forbearance, and the COVID-19 recovery options expired September 30, 2025. A later letter, as reported by industry summaries, limits borrowers to one permanent home retention option every 24 months, with a disaster exception, and set the borrower payment for an FHA pre-foreclosure sale, deed in lieu or cash for keys at $3,000.
VA ended its VASP program on May 1, 2025. A new VA Partial Claim Program, authorized by a law signed July 30, 2025, launched for servicers on June 15, 2026, with full compliance required by November 28, 2026, so some servicers may still be rolling it out.
USDA guaranteed loans now use a "Modification MRA" plan for loans whose last paid installment is on or after May 1, 2025, and a "Final Offer" alternative once other options are exhausted.

We break each of these down, with what to ask your servicer, in our FHA, VA, USDA and conventional loan options guide.

Selling Before the Foreclosure Sale

Until the foreclosure sale happens, you still own the home and you can sell it. If you have equity, a sale on the open market usually puts more money in your pocket than letting an auction set the price, because at the auction the lender often simply bids what it is owed. The challenge is time. A normal sale needs time to prepare, list, accept an offer and close, and buyers using a mortgage usually need several weeks to close. That is why the sale date belongs in the first conversation with any agent.

Get your real numbers. Ask the servicer for a written payoff statement that includes the arrears, fees and foreclosure costs to date. Ask your closing attorney or title company to check for second mortgages, HELOCs, judgment liens, HOA liens or tax liens.
Run a net sheet. Use the calculator below with a realistic price. If the result is clearly positive, a regular sale may work. If it is close to zero or negative, you are in short sale territory, and that changes the plan.
Price for the deadline. We pull recent comparable sales from Valley MLS and look at active competition so the list price matches the time you actually have, not just the number you hope for.
Decide on repairs honestly. With a short window, it is often better to sell as-is and price for it than to start projects that may not finish. See selling as-is.
Keep the servicer informed. Once you are under contract, send the contract to the servicer and your housing counselor and ask, in writing, whether the servicer will postpone the sale to let the closing happen. Many servicers will consider it, but they do not have to.
Close and confirm the payoff. The closing attorney or title company pays the lender from the proceeds and records the release. Keep your copy of the settlement statement.

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Listing on the open market and taking a cash offer are both legitimate ways to sell, and the right answer depends on your timeline, the home's condition and how much equity is at stake. A cash buyer can usually close faster; a market sale usually brings a higher price. Put the two side by side in writing before you decide.

A Note About Cash Offers

If a cash offer is on the table, we will show you it next to what listing on the open market would likely net, in writing, and you choose.

If you owe more than the home is worth, a short sale may be possible. Wyze Realty handles short sales as a licensed listing brokerage; we do not negotiate loan modifications. Start with our short sale guide and options when you are underwater.

Wondering whether selling would leave you anything after payoff? Call (256) 808-6861 or schedule a confidential call. There is no cost and no obligation.

What Happens at the Sale and Right After

The auction is a public sale ("public outcry") for cash to the highest bidder. Anyone can attend. In practice, the foreclosing lender usually makes a credit bid, meaning it bids up to the amount owed without bringing cash. Published notices often say the home is sold "as-is, where-is" and "subject to the right of redemption."

If a third party bids more than the debt, the extra, called the surplus, belongs to the former owner after junior liens such as a second mortgage are paid. Ask an attorney how to claim it.
If the lender wins the bid, the home becomes bank-owned (often called REO), and the lender may pursue a deficiency if its bid was less than the debt.
Possession. The buyer may send a written demand for possession. Leaving within 10 days protects your redemption right. Not leaving forfeits it, and the buyer can go to court for possession.
Cash for keys. Sometimes the buyer or servicer offers money for you to move out by a set date and leave the home broom-clean, under a written agreement. Read it carefully and have an attorney look at it before you sign, because moving out and signing documents can affect your rights.
If you rent the home to a tenant, both you and your tenant should get legal advice right away; tenants have their own rights in a foreclosure.

Your Right of Redemption

Alabama is one of the states that lets a former owner buy the home back after a foreclosure sale. This is called the statutory right of redemption, and it has more conditions than most summaries mention. Here is the accurate version.

Question	The short answer
Who can redeem?	The debtor and mortgagor (who have priority), sureties and guarantors, junior mortgagees, judgment creditors, people the owner transferred the property to, the spouse on the sale date, and children, heirs or devisees (Ala. Code 6-5-248).
How long?	180 days after the sale for residential property on which a homestead exemption was claimed in the tax year of the sale. One year for all other property (6-5-248(b)). The 180-day rule came from Act 2015-79, effective January 1, 2016; secondary sources say it applies to mortgages signed on or after that date, and older mortgages keep one year.
When does the 180 days start?	Not until the lender gives the required certified-mail redemption notice. And under the statute as amended in 2018, redemption can never be exercised more than one year after the sale (6-5-248(h)).
Does a missing notice cancel the foreclosure?	No. A missing or defective notice does not invalidate the foreclosure, and a suit over the notice must be filed within one year of the sale.
What do you have to pay?	The sale price, plus interest at the judgment rate under Ala. Code 8-8-10, plus lawful charges such as permanent improvements, taxes paid, insurance premiums and certain other liens the buyer paid (6-5-253). If you redeem as the former owner, revived junior liens stay attached to the property.
How do you find out the amount?	Make a written demand. The buyer must give an itemized statement within 10 days, or it forfeits its claim for improvements, and you may then file suit without first tendering the money (6-5-252).
How can you lose it?	By not giving up possession within 10 days of a written demand (6-5-251), by letting the period run out, or by conveying the property and being released from the debt (6-5-248(e)).

Redemption is real, but it is rarely practical unless you have the full amount or financing lined up, and it is easy to lose by staying in the home. For most people, acting before the sale preserves far more options. If a sale has already happened, read our redemption rights guide and call an Alabama real estate attorney quickly.

Deficiency and Taxes After a Foreclosure

Deficiency. Alabama has no significant anti-deficiency restrictions after a nonjudicial foreclosure, so a lender can generally sue separately for the shortfall. Two points of context, both of which belong in a conversation with an attorney: the Alabama Supreme Court has held that a lender owes a duty of fairness and good faith in its bid and cannot bid shockingly below fair market value to build a large deficiency (Mt. Carmel Estates, Inc. v. Regions Bank, 2002), and suits on negotiable notes generally have a six-year limit counted from the due date or the accelerated due date (Ala. Code 7-3-118). How either applies to your note is a legal question.

Taxes on forgiven debt. When a lender forgives part of a mortgage, through a foreclosure deficiency it does not collect, a short sale or a deed in lieu, the forgiven amount can count as income. The federal exclusion for forgiven debt on a main home covers only discharges before January 1, 2026, or under a written arrangement entered into before that date, up to $750,000 ($375,000 if married filing separately). As of October 2026, the IRS Form 982 instructions still show that cutoff, and a bill to extend it (H.R. 917) had been introduced in Congress but not passed. The insolvency exclusion, claimed on Form 982 line 1b, may still apply if your debts exceeded the value of your assets right before the debt was canceled. Talk to a CPA before you choose between options, because the tax result can differ.

Protect Yourself From Foreclosure Rescue Scams

People facing foreclosure are targeted constantly by mail, phone and social media. The federal Mortgage Assistance Relief Services (MARS) rule, now enforced by the CFPB as Regulation O, generally bars mortgage relief companies from collecting fees until you have a written offer of relief from your lender or servicer and have accepted it. Red flags:

Any upfront fee for "saving" your home or getting you a modification.
Promises of a certain result.
Being told to stop paying your servicer, or to pay the helper instead.
Being told not to talk to your lender, counselor or attorney.
Being asked to sign over your deed, especially in a "rent it back and buy it back later" deal.
Pressure to sign today, or to sign blank or incomplete papers.
Claims of government affiliation, or "forensic audit" pitches.
Charging you for help a HUD-approved counselor gives free.

One distinction worth knowing: in July 2011 the FTC said it would not enforce most of the MARS rule against licensed real estate brokers and agents in good standing who help a homeowner with a short sale while selling the home. That policy does not cover loan modification help. Our full foreclosure scams guide includes a before-you-sign checklist, and our wholesaler contract warning covers contracts that tie up your house.

Other Bills That Can Complicate a Foreclosure

HOA or condo dues. Unpaid assessments can become a lien and are typically paid at closing from the sale proceeds. In a short sale they have to be negotiated or covered. See behind on HOA dues.
Property taxes. If your taxes are not escrowed and are past due, Alabama's tax sale process runs separately from the mortgage. See behind on property taxes.
Second mortgages, HELOCs and judgments. Every lien has to be paid or released for a sale to close. See liens and judgments.

Who to Call for What

You need help with	Who to call
Understanding your options and preparing a loss mitigation application	A HUD-approved housing counselor (free). Search at consumerfinance.gov/find-a-housing-counselor.
Your loan's status, payoff, reinstatement quote or sale date	Your mortgage servicer, in writing, and the law firm named in any published foreclosure notice.
Bankruptcy, the automatic stay, or whether a sale can be postponed by a legal filing	An Alabama bankruptcy attorney.
Redemption, deficiency suits, cash-for-keys agreements or eviction papers	An Alabama real estate attorney.
Taxes on forgiven debt and the insolvency exclusion	A CPA or enrolled agent.
Liens, payoffs and closing	A closing attorney or title company.
What the home would sell for, a net sheet, listing it or a short sale listing	A licensed real estate broker. That part is what we do.

Test What You Know

Ten quick questions on the Alabama rules that trip people up most. Each answer explains the rule.

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Guides in This Section

Alabama foreclosure timeline: every stage, how to read a foreclosure notice and how to find a sale date.
Options when you are behind on your mortgage: retention and exit options in detail, with the application document checklist.
FHA, VA, USDA and conventional loan options: what changed in 2025 and 2026.
Alabama redemption rights: who can redeem, deadlines, costs and how the right is lost.
Foreclosure rescue scams: the red flags and the federal rules.
Buying again after foreclosure: waiting periods by loan type.
Behind on HOA dues: what to do and who to call.

Common Questions

How long does foreclosure take in Alabama?

There is no fixed timeline. Federal rules generally prevent the first foreclosure notice until a loan is more than 120 days delinquent, and the sale must then be advertised once a week for three successive weeks. So a sale is possible roughly five months after the first missed payment at the earliest. Loss mitigation reviews and postponements often stretch that, but do not count on extra time. See our timeline guide.

Will I get a letter telling me the sale date?

Not necessarily. In Alabama the statutory notice of the sale is the newspaper publication. If the home is your homestead, the lender must also send a redemption rights notice by certified mail at least 30 days before the sale, and servicers send other notices under federal rules and your mortgage. Read every letter, and ask the servicer or the law firm named in the notice for the current date.

Can a foreclosure sale be postponed or canceled?

Sometimes. A complete loss mitigation application received more than 37 days before a scheduled sale generally means the servicer cannot conduct the sale until it decides and any appeal is over. Paying the full amount due, reinstating if your mortgage or servicer allows it, closing a sale before the sale date, or a bankruptcy filing can also affect the sale. A servicer may agree to postpone for a pending sale or review, but it does not have to. Ask a housing counselor or attorney about your case.

Do I have a right to reinstate my mortgage in Alabama?

Many mortgages contain a reinstatement clause that lets you bring the loan current by paying what is past due plus fees and costs, within limits. Check your mortgage document and ask the servicer for a written reinstatement quote. An attorney can tell you what your specific mortgage allows.

Can I still sell my house if a foreclosure date is set?

Yes. Until the sale happens, you still own the home and can sell it. If you have equity, selling first usually leaves you more than an auction would. Tell your agent the sale date on day one and send your servicer the contract as soon as you have one.

Will I owe money after a foreclosure in Alabama?

Possibly. Alabama generally allows lenders to sue for a deficiency, the difference between the debt and the sale price. A lender must bid in good faith, and suits on notes have time limits, but how those apply to you is a question for an attorney. Forgiven debt can also have tax consequences, so ask a CPA.

What is the right of redemption in Alabama?

After a foreclosure sale, the former owner and certain others can buy the home back by paying the sale price, interest and certain costs. It is generally 180 days for homestead residential property, starting only after the lender gives the required notice and never more than one year after the sale, and one year for other property. You can lose it by not giving up possession within 10 days of a written demand. See our redemption guide.

Do I have to move out right after the foreclosure sale?

The buyer can send you a written demand for possession. If you do not deliver possession within 10 days of that demand, you lose your right of redemption, and the buyer can go to court for possession. Talk to an attorney as soon as you receive a demand.

Is forgiven mortgage debt taxable in 2026?

It can be. As of October 2026, the federal exclusion for forgiven debt on a main home covers only discharges before January 1, 2026, or under a written arrangement made before then. The insolvency exclusion may still apply. Ask a CPA before choosing a short sale, deed in lieu or foreclosure.

Does Wyze Realty help with loan modifications?

No. Wyze Realty is a real estate brokerage. We do not negotiate or apply for loan modifications. A free HUD-approved housing counselor can help with that. We can tell you what your home would likely sell for, show you a net sheet, and list it for sale or as a short sale if selling is the better path.

Talk It Through, Confidentially

Big decisions are easier with someone in your corner. Whether you are ready to sell, still deciding, or just need to understand your options, call or schedule a time to talk. The first conversation is free, private and comes with no obligation. If what you really need is an attorney, a CPA or a housing counselor, we will tell you that and point you in the right direction.

Schedule a Confidential Call Call or Text (256) 808-6861

Sources

Related Guides

Short Sale

Selling for less than you owe: lender approval, deficiency, 2026 taxes and waiting periods.

Selling During Bankruptcy

Chapter 7 and 13, the automatic stay, and trustee or court approval.

Sell As-Is or for Cash

Listing as-is vs. cash buyers and how to compare offers side by side.

Short Sale vs. Deed in Lieu vs. Foreclosure

Side-by-side: liens, deficiency, taxes, redemption and waiting periods for each path.

Behind on Property Taxes

Madison County's tax lien sale, redemption, interest and homestead exemptions.

Wholesaler Contracts

Alabama's wholesaling disclosure law, what the 2026 bills did not change, and what to check before signing.

Sell, Rent or Keep?

Compare selling, renting and keeping your home side by side with real numbers.

Wyze Realty LLC, Huntsville, Alabama. Information on this page is general and educational, is not legal, tax, financial or credit advice, and may not reflect the most current law. Consult an Alabama attorney, CPA or HUD-approved housing counselor about your situation. All real estate services are provided in accordance with the Fair Housing Act.