Big Spring, TX › Foreclosure
Can I sell my Big Spring house before foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes: you may still sell before a lender's mortgage foreclosure sale if the sale closes first and the payoff, title, and required closing steps can be completed. USA Home Buyers buys houses as-is in Big Spring and Howard County. Call 888-274-5006 — we answer 24/7 — or use the form to ask about a cash offer.
How we help
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We review the house, sale date, payoff, and title details, then give you a written offer and written terms before you commit. If you choose to sell, 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.
Which sale is involved?
A mortgage foreclosure concerns the home loan. A property-tax foreclosure concerns unpaid property taxes and has its own notices and dates. The mortgage timeline below does not set a tax-sale deadline; check the notice for the process and date that apply.
In Texas, a lender usually forecloses without filing a court case. A trustee or substitute trustee runs the sale. Some mortgage foreclosures 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 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.
Read the Texas State Law Library's guidance on notices before the sale and how the sale works. The notice for the property gives the specific sale 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.
We can review the payoff with the written offer and title details. The title company works through payoff information for closing, and the amounts due affect whether a sale can move forward and what proceeds remain.
What happens next
- Call or use the form with the property address and any sale-date information you have. You can start before you have every document.
- We review the house and timing, then give you a written offer and written terms before you commit.
- If you choose to proceed, a title company checks ownership and payoff details and works through the items needed for closing.
- If the written terms, payoff, title work, and timing allow, the sale can close before the scheduled trustee's 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.
Howard County information
Howard County is the general county reference for Big Spring. The property's own notice identifies the sale information and contact for that case.
- Howard County foreclosure notices
- Howard County Clerk
- Howard County Tax Assessor / Collector for property-tax account information.
Questions and contact
Estimate possible sale proceeds with the Big Spring calculator → The calculator is an estimate, not an offer for a specific house. You can also Read our Google reviews.
Foreclosure questions
Can I sell my Big Spring house before a trustee’s sale?
Often, yes, if the sale closes before the foreclosure sale and the payoff, title, and other closing steps can be completed in time. The notice and sale date for the property control.
What are the Texas mortgage-foreclosure notice periods?
For a home used as your residence in a nonjudicial mortgage foreclosure, the loan servicer must send written notice of default by certified mail and allow at least 20 days to catch up before a sale can be noticed. At least 21 days before the sale, notice must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower. Some mortgage foreclosures go through court and follow different steps.
Is a property-tax foreclosure the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns a home loan; a property-tax foreclosure concerns unpaid property taxes and has its own notices and dates. The Texas mortgage-notice periods on this page do not set a tax-sale deadline.
What if the payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we’ve gotten lenders to come down before. We can review the payoff alongside the written offer and title details.
Call USA Home Buyers at 888-274-5006 or use the form above to ask about a cash offer.