Abilene, TX › Foreclosure
Can I Sell My Abilene House Before Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Yes, you can often sell before a lender's mortgage foreclosure sale if the sale closes first and the required payoff and title work can be completed. Your notices, payoff, title, and actual sale date determine what is still possible. Call USA Home Buyers at 888-274-5006 or request a cash offer below.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and any sale date or payoff information you have.
How we help
USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses in Abilene and across Jones and Taylor Counties. Ask us for a cash offer and tell us what the foreclosure notice says.
You get a written offer and written terms before you commit; closing is through a title company. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Mortgage foreclosure and a property-tax sale are different
A mortgage foreclosure concerns the home loan. A property-tax sale concerns unpaid property taxes, with its own notices and deadlines. The steps below are for a Texas mortgage foreclosure, not a tax-sale case. Read the notice you received and use the office named there rather than applying one process's dates to the other.
What happens before a Texas mortgage foreclosure sale?
Texas lenders usually foreclose without filing a court case. A trustee or substitute trustee runs that auction; this is called a non-judicial foreclosure. Some foreclosures do go through court and follow different steps.
- Notice of default: For a home used as your residence, the loan servicer must send written notice by certified mail. It must give you at least 20 days to catch up before a sale can be noticed.
- Notice of sale: At least 21 days before the sale, the notice must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower.
- Trustee's sale: The public auction is held at the county courthouse, usually on the first Tuesday of the month between 10 a.m. and 4 p.m. It must start no later than three hours after the time stated in the notice.
These are the general Texas steps for a mortgage foreclosure; your notice and case status control. Read the Texas State Law Library's guidance on notices before the sale and how the sale works. Taylor County also publishes foreclosure information.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Get a current payoff statement from your lender. The title company checks the payoff and other title items for closing, and the amounts due affect whether the sale can go forward and what proceeds remain.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.
What happens next
- Tell us the property address and any date shown on a trustee's sale notice. You can call before you have every document.
- We review the house and your timing, then give you a written offer and written terms before you commit.
- If you want to proceed, a title company checks ownership, obtains payoff information, and works through the title items needed for closing.
- You review the terms and payoff figures. If the title, lender, and timing allow, the sale can close before the scheduled foreclosure sale.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Local county information
Abilene includes parts of Jones and Taylor Counties, so check which county is named on your notice. Taylor County has an official foreclosure-information page. For county office details, use the matching official page below; follow your own notice for the sale date and instructions.
Questions and contact
Foreclosure questions
Can I sell my Abilene house before a mortgage foreclosure sale?
Often, yes, if the sale closes before the scheduled foreclosure sale and the required payoff and title work can be completed. The notices and sale date for your property control. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure concerns a home loan; a property-tax sale concerns unpaid property taxes. They have different notices and deadlines. The Texas mortgage timeline on this page does not apply to a tax-sale notice; follow the notice and contact the office named on it.
Which county should I check for an Abilene property?
Abilene properties can be in Jones County or Taylor County. Check the county and sale information on your own notice, then use the matching county resource linked on this page. The property address and official records determine which county applies.
What if the lender payoff is more than the house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Get a current payoff statement from the lender; the amount due and sale proceeds affect whether a sale can close and what may be left for you.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Send the property address and the sale date, if one is scheduled.
Call USA Home Buyers at 888-274-5006.
Prices, timing and your selling options
Home prices in Abilene
Homes in Abilene, TX sold for a median of $290,000 for the three months ending August 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in Abilene, TX spent a median of 20 days on the market for the three months ending August 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.