El Paso, TX › Foreclosure
Can I sell my El Paso house in foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, yes: a sale may still be possible before the foreclosure sale if the payoff, title, and required closing steps can be completed in time. After an auction, options depend on what happened in the case.
USA Home Buyers buys houses as-is in the City of El Paso and El Paso County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 or use the form to tell us the property address and sale date.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
How we can help with a possible sale
We review the house as it is, along with the sale date, mortgage payoff, and title details. 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 payoff, liens, back taxes, and share of current property taxes are separate from those costs and must be accounted for in the sale.
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?
Texas mortgage foreclosures are usually handled without a court case; a trustee or substitute trustee runs the sale. Some mortgage foreclosures go through court and follow different steps. A property-tax foreclosure is a separate case and notice path for unpaid property taxes. Do not use mortgage notice periods to estimate a tax-sale deadline.
Texas mortgage notices and sale
For a property used as your residence in a nonjudicial mortgage foreclosure, the loan servicer must first send written notice of default by certified mail and give you at least 20 days to catch up before a sale can be noticed. Then, at least 21 days before the sale, notice of sale must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower.
The nonjudicial sale is a public auction 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 notices for your property; they identify the sale and its date.
- Texas State Law Library: Foreclosure Before the Sale explains the default and sale notices.
- Texas State Law Library: The Foreclosure Sale explains the trustee sale and auction timing.
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 written payoff alongside the offer and title details.
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.
Closing costs are separate from the mortgage payoff, liens, back taxes, and your share of current property taxes.
What happens next
- Call or use the form with the El Paso property address, the notice you received, and the scheduled sale date.
- We review the house as-is, the timing, and the payoff information, then provide written offer terms before you decide.
- A title company reviews title and payoff details and works through the closing requirements.
- If you choose to proceed and the written terms, payoff, title, and timing support a sale, closing takes place through the title company.
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.
El Paso County records and tax questions
The El Paso County Clerk provides a Foreclosures Search for county-record follow-up. The County cautions that its index is a convenience, not a professional or legal title-and-lien search; it does not establish that a particular property is listed or scheduled. Check your actual notice and confirm the current date with the trustee or lender. The County Clerk's Recording Division records and indexes property records.
For a City of El Paso property-tax account or payment question, contact the El Paso Consolidated Tax Office. The City directs appraisal questions to the separate El Paso Central Appraisal District. For a tax foreclosure, use the notices and deadlines in that tax case—not the mortgage notice periods above.
Compare your next step
A calculator is an estimate, not a property-specific offer. Estimate possible proceeds with the El Paso home-sale calculator → You can also read the El Paso seller reviews and information, browse the El Paso seller FAQs, or return to the El Paso market page.
Foreclosure Questions for El Paso Sellers
Can I sell my El Paso house after getting a foreclosure notice?
Often, yes, if your sale closes before the foreclosure sale and the payoff, title, and required closing steps can be completed in time. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Keep the date on your notices in view and confirm it with the lender or trustee.
What are the Texas mortgage-foreclosure notice periods?
For a property 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. Court foreclosures follow different steps.
Is a tax foreclosure the same as a mortgage foreclosure?
No. A property-tax foreclosure is a separate case and notice path. The 20-day and 21-day mortgage notice periods on this page are not a tax-sale timeline. Read the actual tax-case papers and confirm the current status and date with the office listed on those papers.
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. We can review the current written payoff alongside the offer and title details.
Can you buy a 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.
Talk with us about the sale date
Call 888-274-5006 or share the El Paso property details and foreclosure date in the form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.