El Dorado, AR / Foreclosure
Can I Sell My El Dorado House in Foreclosure?
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in El Dorado and Union County, Arkansas.
Call 888-274-5006 to ask for a cash offer. We answer 24/7.
How we help with an El Dorado foreclosure sale
We review the house and the notice with you, then give you written offer terms before you decide. We buy as-is, so you do not need to repair, clean, or clear out the house to sell to us. If you choose to proceed, closing is through a title company, which works through title, payoff, and lien details.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. The title company works through title, payoff, and lien details while we work toward closing.
Mortgage foreclosure and property-tax sale are separate
In Arkansas, a lender can foreclose through a court case or an out-of-court process under the Statutory Foreclosure Act. For an out-of-court sale, the trustee or lender must record a notice of default, give and publish required notices, and wait through the legal notice period. A court foreclosure can give the former owner a right to buy the property back after the sale unless that right was waived. Read Arkansas Code Title 18.
A delinquent property-tax matter is separate, with its own notices and deadlines. A mortgage-sale postponement does not change a tax-sale date. Union County’s Tax Collector can help with property-tax accounts and delinquent-land-tax information.
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.
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.
If you want to move forward, the title company can review the lender's current payoff and any other liens against the written sale terms.
What happens next
- Call us or use the form above and tell us the property address and what foreclosure notice you received.
- We review the house as-is and give you written offer terms before you decide whether to commit.
- If you choose to sell to us, a title company works through title, payoff, and lien details as the sale moves toward closing.
- Keep the sale date in view until the lender, trustee, or court tells you it has changed.
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 Union County offices
- Union County Circuit Clerk
101 North Washington, Suite 201, El Dorado, AR 71730-5661
(870) 864-1940 · Circuit-court clerk contact and real-estate instrument recording information.
- Union County Tax Collector
101 North Washington, Room 106, El Dorado, AR 71730-5661
(870) 864-1930 · Property-tax accounts and delinquent-land-tax routing.
Compare possible sale proceeds
Use your own estimates in the El Dorado calculator to compare possible proceeds. It is a planning estimate, not a property-specific offer or payoff statement.
Estimate possible sale proceeds with the El Dorado calculator →El Dorado AR foreclosure questions
Can I sell my El Dorado house before a foreclosure sale?
Yes. You can ask us to buy your house before the scheduled foreclosure sale. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. Keep the date on your notice in view until the lender, trustee, or court tells you it has changed.
Is an Arkansas mortgage foreclosure the same as a property-tax sale?
No. Mortgage foreclosure and a delinquent property-tax matter are separate processes with separate notices and deadlines. Postponing a mortgage foreclosure sale does not change a property-tax deadline. Union County’s Tax Collector provides tax-account and delinquent-land-tax routing.
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. If you want to proceed, the title company can review the current payoff and other liens against the written sale terms.
What happens after I contact USA Home Buyers?
We review the El Dorado property and the foreclosure information you share, then provide written offer terms before you decide whether to commit. If you choose to sell to us, a title company works through title, payoff, and lien details toward closing. We can look at the notice with you and explain how the timeline affects a sale.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Talk through your foreclosure notice
Call 888-274-5006 or use the form above to ask for a cash offer. We answer 24/7.
Go to the cash-offer form