Fallon, NV › Selling before foreclosure
Can I Sell My Fallon 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, you can sell before the trustee's sale if the payoff, title requirements, and closing can be completed in time. In Nevada, a home loan secured by a deed of trust can be foreclosed through a trustee sale without a court case. The notices and the current sale date control your timing.
USA Home Buyers buys houses as-is in Fallon and Churchill 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 share the property address and sale date in the form.
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 scheduled trustee-sale date.
How we can help with a possible sale
We review the house as it is and work toward a sale that fits the actual deadline, payoff, title, and written terms. You see the written offer and terms before you commit; if you choose to move forward, the closing is handled through a title company.
When you sell to us, we pay the closing costs, including Nevada's real property transfer tax. That does not pay your mortgage, liens, back taxes, or your share of current property taxes; those remain separate payoff or closing items.
If you are comparing an offer with other options, use the Fallon home-sale net-proceeds calculator as an estimate, not a property-specific offer or settlement statement.
Which sale is involved?
Mortgage foreclosure under a deed of trust
The trustee first records a notice of default and election to sell with the county recorder and mails you a copy. The trustee cannot sell unless the missed payments remain unpaid for 35 days after that notice. At least three months after the notice of default is recorded, the trustee may give notice of sale. That notice is recorded, mailed or delivered to you, posted in a public place in the county for 20 days, and published in a county newspaper once a week for three weeks. See Nevada Revised Statutes 107.080 and 107.082.
A trustee may postpone a sale by announcing the postponement at the sale. After three spoken postponements, a new sale date requires a new notice. Confirm the current date from the trustee or lender rather than relying on an old notice or an assumed postponement. Once the trustee's sale happens, Nevada law gives no right to buy the house back.
If you live in the home, check the mediation notice
The notice of default must include information about foreclosure mediation. You have 30 days after it is served to waive mediation or ask the district court for it. Requesting mediation costs a $25 filing fee plus your share of the mediator's fee. If you file, pay, and serve the required request on time, the trustee cannot move ahead with the sale until mediation is finished. Read the Nevada Foreclosure Mediator Program information and the dates in your notice.
A property-tax sale is a different process
The deadlines above describe mortgage foreclosure under a deed of trust, not a sale related to delinquent property taxes. If your notice concerns property taxes, follow that notice and contact the county about the tax account. Do not use the mortgage timeline as a tax-sale deadline.
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 the lender for a current payoff and have the title and lien details reviewed. Any lender decision depends on the specific loan and sale. 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.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing costs we pay. The title company can show which items must be addressed for the particular closing.
What happens next
- Tell us the property address and the trustee-sale date shown on your notice, if one is scheduled.
- We review the house as-is and give you a written offer and written terms before you commit.
- If you want to proceed, a title company reviews title, lender payoff requirements, liens, and the timing needed for closing.
- If the sale can proceed under the required terms and timing, 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.
Call 888-274-5006 or use the form to tell us what date is on your notice.
Fallon and Churchill County official contacts
- Churchill County Recorder — official county records-office information for record questions.
- Churchill County Property Taxes — county information for property-tax questions; use your notice for any deadline.
- Nevada Foreclosure Mediator Program — state-court program information for homeowners reviewing mediation.
Compare possible sale proceeds with the Fallon home-sale net-proceeds calculator and read more about Fallon seller resources. A calculator estimate cannot set a trustee-sale date or determine a property-specific payoff.
Questions about foreclosure in Fallon, NV
Can I sell my Fallon house before a Nevada trustee sale?
Often, yes, if the sale has not happened and the payoff, title, and closing steps can be completed in time. Confirm the current date with the trustee or lender; an offer or signed contract does not itself change a scheduled sale date.
What happens after a Nevada notice of default?
For a home loan secured by a deed of trust, the trustee records a notice of default and election to sell and mails you a copy. The trustee cannot sell unless the missed payments remain unpaid for 35 days after that. At least three months after recording the notice, the trustee may give notice of sale. Read the notice and confirm the current date with the trustee.
Can Nevada foreclosure mediation affect a trustee sale?
If you live in the home, the notice of default must include information about foreclosure mediation. You have 30 days after service to waive mediation or ask the district court for it. If you file, pay, and serve the required request on time, the trustee cannot move ahead with the sale until mediation is finished. The filing fee is $25 plus your share of the mediator fee.
Is a Churchill County tax sale the same as a mortgage trustee sale?
No. The deed-of-trust mortgage timeline is different from a sale related to delinquent property taxes. Do not apply the mortgage notice deadlines to a tax-sale notice; follow the notice for the property and contact Churchill County about the tax account.
What if my mortgage payoff is more than my Fallon house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask for a current payoff and have the title and lien details reviewed. Any lender decision depends on the specific loan and sale.
Do I have to pay back taxes or liens before closing?
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. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing costs we pay.
What happens after I contact USA Home Buyers?
Share the property address and any scheduled sale date. We review the house as-is and provide written offer terms before you commit. If you choose to proceed, a title company reviews title and payoff requirements and handles the closing if the timing and sale terms work.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and current sale date so we can review your timing.