Columbia MO › Foreclosure
Can I Sell My Columbia House Before Foreclosure?
Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Yes. A sale may still be possible before the trustee’s sale if the loan can be paid off in time. USA Home Buyers buys houses as-is in Columbia and Boone County. Call us or send the property details to compare a written cash offer with your other options.
Call 888-274-5006We give written cash offers in 24 hours.
Tell us about the property and the foreclosure notice you received.
We'll give you a written cash offer within 24 hours.
How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not need to repair or clean out the house before asking us to review it.
We give you a written offer and written terms before you commit; closing is through a title company. If you choose to move ahead, we work with the title company on the payoff and title details while using our agreement to ask for a trustee’s-sale postponement.
Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Mortgage trustee’s sale or property-tax sale?
This page covers a mortgage foreclosure under a deed of trust with a power of sale. In that situation, the lender can use a trustee’s sale without filing a court case. A property-tax sale is a separate process with its own notice and dates. Check which process is named in your notice, and do not apply the mortgage trustee-sale deadlines below to a tax sale.
Missouri’s trustee-sale notice rules require at least 20 days’ notice. The sale is held in the county where the property is located; notice is published in a newspaper and mailed to the owner of record by certified or registered mail. Have the title company or an attorney confirm your current sale date and the amount needed.
A narrow redemption right may apply if the lender or someone acting for it buys the property at the trustee’s sale. The owner may have up to one year to redeem, but must give written notice of intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale.
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 current payoff and title details with you. Any lender decision about a payoff is specific to the lender, property, and case.
What happens next
- Call 888-274-5006 or send the property details through the form. If you have a sale date on your notice, tell us what it says.
- We give you a written cash offer and written terms before you commit.
- If you want to proceed, the title company reviews title and payoff details as the parties work toward closing.
- We use the agreement to ask for a postponement. Confirm any change to the sale date with the lender or trustee handling the sale; signing alone does not change the date.
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.
Boone County records and sale-date checks
Boone County’s Recorder of Deeds is the county’s real-estate-records office. Its official page is a local records reference; it is not a trustee-sale calendar. For your current mortgage sale date and payoff amount, check with the title company or an attorney and the party named in your notice.
Boone County Recorder of DeedsCompare the numbers
Use your own sale and payoff assumptions to estimate possible net proceeds. The calculator is a planning estimate, not a property-specific offer.
Open the Columbia home-sale net-proceeds calculator →Questions about selling before foreclosure in Columbia, MO
Does signing an agreement automatically postpone a Missouri trustee's sale?
Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Can I sell my Columbia house before the trustee’s sale?
A sale may still be possible if the loan can be paid off before the sale. Have the title company or an attorney confirm the current sale date and amount needed.
How much notice is required for a Missouri trustee’s sale?
For a deed-of-trust trustee’s sale, Missouri law requires at least 20 days’ notice. The sale is held in the county where the property is located, and notice is published in a newspaper and mailed to the owner of record by certified or registered mail.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure under a deed of trust is a separate process from a property-tax sale. Each has its own notice and dates, so follow the process named in your notice; do not use trustee-sale deadlines for a tax sale.
What if my mortgage 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. We can review the current payoff and title details with you; any lender decision is specific to that lender, property, and case.
Do I have to pay back taxes or liens before selling to you?
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. This does not change a separate tax-sale notice or its dates.
Can I redeem the property after a trustee’s sale?
A limited right may apply if the lender or someone acting for it buys at the trustee’s sale. State law allows up to one year to redeem, but the owner must give written notice of intent at the sale or within 10 days before it and file a court-approved bond within 20 days after the sale. Ask an attorney about the requirements for your case.
Call 888-274-5006 or read the Columbia seller review information.
We're not attorneys and this isn't legal advice. It's what we've learned buying houses in situations like yours for more than 20 years. If you want advice on your specific situation, talk to an attorney — we're glad to work alongside yours.
We give written cash offers in 24 hours.
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We'll give you a written cash offer within 24 hours.