Dallas, TX › Foreclosure
Can I sell my Dallas 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 be able to sell before a Texas mortgage foreclosure sale if the payoff, title work, and closing can be completed in time. If the auction has already happened, what you can do depends on the case. USA Home Buyers buys houses as-is in Dallas, Texas and in the Dallas-area portions of Dallas, Collin, Denton, Kaufman, and Rockwall Counties. No repairs, cleaning, or cleanout are required to sell to us. Call 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
We look at the house as it is, the sale date, the mortgage payoff, and the title details. You get 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 payoff, liens, back taxes, and share of current property taxes are separate and are reviewed for closing.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Which sale is involved?
A mortgage foreclosure concerns the home loan. A property-tax sale concerns unpaid property taxes and has its own notices and deadlines. The Texas mortgage steps below do not set a tax-sale deadline. Follow the notice you received and contact the county office named on it; do not apply a mortgage notice period to a tax case.
What happens before a Texas mortgage foreclosure sale?
In Texas, a lender usually forecloses without filing a court case. A trustee or substitute trustee runs that public auction; this is called a non-judicial foreclosure. Some 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 usually at the county courthouse 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; the notice and case status for your property control. Read the Texas State Law Library guidance on notices before the sale and how the sale works.
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.
Ask your lender for a current payoff statement. The title company reviews the payoff and other title items for closing, and the amounts due affect whether a sale can go forward and what proceeds remain.
What happens next
- Tell us the Dallas-area property address and any sale date on your notice. You can call or use the form even if you do not have every document.
- We review the house as-is 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.
- If the title, lender, and timing allow, the sale can close through the title company 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.
Dallas-area county offices
Dallas is not coterminous with Dallas County: the City of Dallas has positive-area intersections with Dallas, Collin, Denton, Kaufman, and Rockwall Counties. Verify the actual parcel county before choosing an office. These official links are office entry points for records, foreclosure notices, or tax questions—not parcel searches or conclusions about title, venue, tax balances, or who may sign.
- Dallas County: County Clerk Recording Division and Tax Office.
- Collin County: County Clerk and Tax Assessor.
- Denton County: County Clerk, Foreclosure Information, and Tax Assessor/Collector.
- Kaufman County: County Clerk and Tax Assessor.
- Rockwall County: County Clerk and Tax Office.
Use the county and sale information on your own notice, and confirm the current date with the lender or trustee. For a tax-sale notice, follow its separate instructions and contact the named tax office.
Questions and contact
Estimate possible proceeds with the Dallas home-sale calculator; it is a planning estimate, not a property-specific offer. Read Dallas seller reviews or visit the Dallas seller FAQ.
Call USA Home Buyers at 888-274-5006 or send the property address and sale date using the form.
Foreclosure questions
Can I sell my Dallas house before a mortgage foreclosure sale?
Often, yes, if the sale closes before the scheduled sale and the payoff, title, and closing steps can be completed in time. Your notices and sale date control. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
What are the Texas mortgage-foreclosure notice periods?
For a home used as your residence in a non-judicial mortgage foreclosure, the 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. Court foreclosures follow different steps.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns a home loan; a property-tax sale concerns unpaid property taxes and follows separate notices and deadlines. The mortgage notice periods on this page are not a tax-sale timeline. Read the tax-sale notice and contact the county office named there.
Which county office should I check for my Dallas property?
The City of Dallas intersects Dallas, Collin, Denton, Kaufman, and Rockwall Counties, and it is not coterminous with Dallas County. Verify the parcel county from the property records or notice before using a county office; the links on this page are county starting points, not parcel searches.
What if the mortgage 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. Get a current payoff statement from your lender so the amount due can be reviewed with the offer and title details.
Can you buy a Dallas house with back taxes or liens?
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.
We'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.