Jonesboro · Craighead County · AR
Stop Foreclosure in Jonesboro, Arkansas
Behind on a Jonesboro mortgage? Foreclosure runs through Craighead County Circuit Court at the courthouse on South Main, with a full one-year right of redemption after the sale. Craighead actually has two courthouses — Jonesboro for the Western District, Lake City for the Eastern. Always check which one your sale is at.
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The Jonesboro specifics
Where the auction happens, where the notice runs, who holds the records
Craighead County Courthouse
511 S Main Street, Jonesboro, AR 72401
Commissioner's sales for the Western District run at the main courthouse on South Main in Jonesboro unless otherwise stated in the published notice.
Common sale time: 10:00 AM.
Second courthouse
Craighead County Eastern District Courthouse
107 Cobean Boulevard, Lake City, AR 72437
Craighead is one of the few Arkansas counties with two courthouses. The Eastern District in Lake City handles its own commissioner's sales for that side of the county — always check the published notice to know which one your sale is at.
Arkansas Democrat-Gazette
The Democrat-Gazette is the legal-notice paper of record for Craighead County foreclosures. Listed under "Foreclosures — Craighead County" in the classifieds.
Beyond the Democrat-Gazette, the Craighead Circuit Clerk maintains a clean public foreclosure auction calendar online with case numbers, sale dates, and property addresses. One of the better-organized circuit clerk sites in the state for tracking deal flow.
Craighead County Circuit Clerk — David Vaughn
511 S Main Street, Suite 200, Jonesboro, AR 72401
Phone: 870-933-4530
Online records: craigheadcircuitclerk.com (foreclosure calendar under "Property Foreclosure")
Why Arkansas is different
Judicial foreclosure plus a 1-year redemption
Most Craighead County foreclosures — including those in Jonesboro — go through circuit court. The lender files a complaint, you're served, a judge enters a decree, and a commissioner sells the property at the courthouse. Slower than Tennessee, and slower is good when you're the homeowner. More notice, more court-supervised steps, more time to fix it before the gavel drops.
And here's the part most homeowners never hear: Arkansas gives you a full one-year right of redemption after the sale. You can buy the property back for what the high bidder paid, plus costs and interest.
If your Jonesboro home sells at a Craighead County commissioner's sale in March, you have until that same date next March to redeem it — pay the bid price plus statutory costs and take the property back.
Pulling that cash together while displaced is a tall order, but the door is legally open. It's also why title isn't fully clean for the buyer for a full year after the sale.
The Jonesboro market
What's actually happening on the ground
Jonesboro is the regional hub of Northeast Arkansas with a city population over seventy-eight thousand and county population over a hundred eleven thousand. Arkansas State University is the largest employer, and I-555 anchors a serious logistics and distribution economy. Solid mid-volume foreclosure inventory, and the active circuit clerk publication system makes deal flow easier to track than in most Arkansas counties.
Your real options when foreclosure is on the line
We'll be honest about which one fits — even when the answer isn't us.
Save the house
Call your servicer's loss mitigation department. Ask about reinstatement, repayment plans, forbearance, or modification. If you have steady income and just hit a rough patch, this is usually the cleanest outcome.
List with a Jonesboro-area Realtor
If you have meaningful equity and the case hasn't gone to commissioner's sale yet, the open market typically nets you the most money. We can refer you to local agents in the Jonesboro area who handle pre-foreclosure listings.
Sell to a cash buyer
If you need certainty and speed — or the sale date is close — selling directly to us locks in a closing date and walk-away cash. No repairs, no showings, no commission, no court drama.
The cleanest exit is still before the courthouse. Even with Arkansas's one-year redemption window, a controlled sale before the commissioner's gavel drops gets you a fair price, a clean title transfer, and money in your pocket — instead of legal limbo dragged out over the next year.
Jonesboro & Craighead County foreclosure FAQ
Where do Craighead County foreclosure auctions happen?+
At the Craighead County Courthouse, 511 S Main Street, Jonesboro, AR 72401. Commissioner's sales for the Western District run at the main courthouse on South Main in Jonesboro unless otherwise stated in the published notice. Sale time is typically 10:00 AM. Confirm the day-of time with the Circuit Clerk at 870-933-4530 before you show up.
Where are Jonesboro foreclosure notices published?+
The Arkansas Democrat-Gazette is the legal-notice paper of record statewide — look under "Legal Notices" and "Foreclosures — Craighead County." Beyond the Democrat-Gazette, the Craighead Circuit Clerk maintains a clean public foreclosure auction calendar online with case numbers, sale dates, and property addresses. One of the better-organized circuit clerk sites in the state for tracking deal flow.
Who records the deed of trust on my Jonesboro home?+
The Craighead County Circuit Clerk (David Vaughn) at 511 S Main Street, Suite 200, Jonesboro, AR 72401, phone 870-933-4530. The Circuit Clerk is the ex-officio county recorder for deeds, mortgages, and liens. Online search at craigheadcircuitclerk.com (foreclosure calendar under "Property Foreclosure"). If you'd rather skip the rabbit hole, send us your address and we'll pull title for you at no cost.
Is Arkansas judicial or non-judicial?+
Both are legal, but most Arkansas foreclosures — especially commissioner's sales — are judicial. The lender files a lawsuit in circuit court, the judge enters a decree, and a commissioner sells the property at the courthouse. Slower than Tennessee, and slower is good when you're the homeowner.
What is the Arkansas one-year redemption period?+
Arkansas gives the borrower a one-year right of redemption after the sale — you can buy the property back from the high bidder for what they paid plus statutory costs and interest. One of the longest redemption windows in the country. It also means title isn't fully clean for the new buyer for a full year.
How long does the process take in Jonesboro?+
Federal law requires the lender to wait 120 days from your first missed payment before they can officially start foreclosure. Once the lawsuit is filed, you have 30 days from service to file an answer — miss that and default judgment is entered. From first miss to courthouse steps, you're typically looking at 6+ months.
Can I stop the foreclosure once it's been filed?+
Often, yes. Reinstatement, repayment plans, forbearance, loan modification, short sale, listing with a Realtor, Chapter 13 bankruptcy, or selling to a cash buyer like us before the sale date. Even filing an answer to the complaint can buy meaningful time. We'll talk through every option honestly — including the ones where we don't end up buying.
Do I have to be local to sell to Titan Property Investors?+
No. We're based in Heber Springs, Arkansas, and we work the whole state. We close through reputable Jonesboro-area title companies and real estate attorneys. You sign locally or remotely with a notary, and funds wire to your account at closing.
En Español
Preguntas frecuentes sobre ejecuciones hipotecarias en Jonesboro
Si está atrasado con los pagos de su casa en Jonesboro o en cualquier parte del Condado de Craighead, hay una manera privada de resolver esto. Sin letrero en el patio. Sin aviso en el periódico si actuamos a tiempo. Sin llamadas que usted no quiere contestar. Hablamos español — llame o envíe un mensaje al 501-449-2877.
¿Puedo vender mi casa si estoy en proceso de ejecución hipotecaria en Arkansas?+
Sí. Hasta que caiga el martillo en el tribunal del Condado de Craighead en Jonesboro, usted sigue siendo el dueño y todavía tiene derecho a vender. Muchas familias en Jonesboro creen que el banco ya se quedó con la casa el día que llegó la carta certificada. No es así. Mientras la escritura no se haya transferido, usted puede venderle a un comprador en efectivo, ponerla en el mercado con un agente, o negociar con el prestamista.
¿Qué tan rápido pueden quitarme la casa en Arkansas?+
Más rápido de lo que la mayoría imagina, pero no de la noche a la mañana. La ley federal exige un piso de 120 días antes de que el prestamista pueda comenzar oficialmente. Después de eso, una ejecución no judicial en Arkansas requiere un aviso previo de 10 días, luego un Aviso de Incumplimiento registrado, una cuenta regresiva de 60 días, y cuatro semanas seguidas de publicación en el periódico. Del primer pago atrasado hasta la subasta en Jonesboro suelen pasar de 6 a 9 meses — tiempo suficiente para resolver bien si se actúa pronto.
¿Mis vecinos, mis compañeros del trabajo, o la gente de la iglesia se van a enterar?+
Si llega a subasta, casi seguro que sí. El Aviso de Incumplimiento se publica en el Arkansas Democrat-Gazette durante cuatro semanas seguidas con su nombre y su dirección, y también se coloca en el tribunal y en línea — donde queda buscable para siempre. Si cerramos antes de que empiece la fase de publicación, nada de eso ocurre — ni letrero en el patio, ni casa abierta, ni aviso en el periódico.
¿Qué es la regla de los dos tercios del avalúo en Arkansas?+
La ley de Arkansas dice que una propiedad en subasta de ejecución hipotecaria no puede venderse por menos de dos tercios de su valor avaluado. Suena como protección — y en papel lo es — pero si las ofertas no alcanzan ese piso, la propiedad puede ofrecerse de nuevo dentro de 12 meses sin ese piso. Lo más limpio casi siempre es vender antes de la subasta, mientras usted todavía controla el precio.
¿Puede el banco venir por mí después de la ejecución?+
Sí — y casi nadie se lo dice. Después de una venta no judicial, el prestamista en Arkansas tiene 12 meses para presentar una demanda por la diferencia entre lo que usted debía y el valor justo de mercado o el precio de venta (lo que sea menor). Es lo que se llama un "deficiency judgment". Vender antes de la subasta a un precio justo casi siempre cierra esa puerta.
¿Tengo que estar en Jonesboro para hablar con ustedes?+
No. Trabajamos en todo el Condado de Craighead y todo el Noroeste de Arkansas. Cerramos a través de compañías de título locales. Puede firmar localmente o de forma remota con un notario, y los fondos llegan a su cuenta el día del cierre — incluso si una mudanza ya lo llevó fuera del estado.
Tres preguntas honestas antes de decidir
- ¿Cómo le gustaría que se vieran los próximos treinta días?
- ¿Qué resultado le parecería justo — para usted y para su familia?
- ¿Sería mucho pedir una llamada privada de diez minutos, antes de que se fije una fecha de subasta?
Si la respuesta es sí — llámenos o envíe un mensaje de texto. Lo que se sienta con menos presión.
Real homeowners. Real closings.
These are verified Google reviews from people who sold a house to Titan Property Investors. Read the rest on Google.
"I live out of state and my mother had passed away very unexpectedly and I had her house to handle. Mr. Campbell and his team made it easy. Honestly the best possible experience and not an easy case to deal with either. Very impressed and thankful."
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"The process of selling my rental property to Titan was very easy. Working with Jeff and his team was professional, and the closing process was within 30 days. Would recommend this company for selling your property as is."
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"Everyone at Titan was super kind and very easy to work with. I live out of state and just wanted to get the best price quickly for my property. They were professional, courteous, and very knowledgeable. The process was so easy."
"The service was exceptional. Throughout the experience, I felt valued as a customer. Each company representative was responsive, thorough, transparent, and patient."
Talk to Jeff about your Jonesboro property
One phone, one person. No call center, no script. We'll talk through your situation and help you figure out the right next step — whether that's us or not.