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Hamilton County, Tennessee

Facing foreclosure in Hamilton County? Keep your equity.

If your home in Chattanooga or elsewhere in Hamilton County is headed toward a trustee sale, here is exactly how the process works locally, and the option most homeowners never hear about: selling before the sale to protect the equity that the courthouse auction would erase.

By Patrick Yuri Armour, Licensed Tennessee Auctioneer·Updated July 2026

Where a trustee sale happens in Hamilton County

A Tennessee trustee sale is a public auction, and in Hamilton County it is held at the west door of the Hamilton County Courthouse at 625 Georgia Avenue in Chattanooga, typically typically late morning to noon.[1]

Sale location
Hamilton County Courthouse
625 Georgia Avenue, Chattanooga, TN 37402

The exact date, time, and terms for any specific sale are set in that property's published notice, not by a fixed schedule. Always confirm against the current notice.

Where foreclosure notices are published

Tennessee law requires the sale to be advertised before it happens. In Hamilton County, foreclosure and trustee-sale notices run in Hamilton County Herald and Chattanooga Times Free Press.[2] As of a 2025 change in the law, the notice must also be posted online for at least 20 continuous days. If you think a sale may be scheduled on your home, these are where it would appear.

Surplus funds, redemption, and records

If a Hamilton County home sells for more than the debt, the extra (surplus funds) belongs to the junior lienholders and then the former owner. The office that handles disputed surplus and the related records:

Surplus / chancery
Hamilton County Clerk & Master (Chancery Court), (423) 209-6600
Property records
Hamilton County Register of Deeds, (423) 209-6560

Office details verified from the county government website.[3]

Why this matters in Hamilton County

The median home in Hamilton County is worth around $375,000.[4] For a homeowner with equity, that is real money, and at a trustee sale it can vanish for the loan balance in about sixty seconds.

If you have equity and any time before the sale, selling on your own terms, through a marketed auction that still beats the deadline, usually keeps far more of your money than doing nothing or taking the first cash offer. That is what FALCO helps Hamilton County homeowners do, at no cost to you.

How FALCO helps

FALCO routes Hamilton County homes to licensed Tennessee auction firms that market the property to real competing buyers on a compressed timeline. The buyer pays the fee. You keep the equity.

Hamilton County homeowners

Free 15-minute call. Real numbers for your home.

Within one business day we'll show you what your Chattanooga-area home would likely clear at a marketed auction versus what happens at the trustee sale. No cost, no pressure, no obligation to sell.

Get your numbers →Or email falco@falco.llc

This page is general information about foreclosure in Hamilton County, Tennessee, not legal, tax, or financial advice, and not a promise about any outcome. Sale locations, times, and publications are set in each property's official notice and can change; always confirm against the current notice and the county. FALCO is not a government agency and is not affiliated with, or approved by, any government program or your mortgage lender. FALCO does not buy your home, does not charge homeowners or take upfront fees, and does not promise to stop, delay, or cure any foreclosure.

Keep reading
How the Tennessee foreclosure process works →Cash offer vs. auction: the math →Foreclosure help in other TN counties →Get your numbers: free 15-min call →