Granbury, TX / Foreclosure
Can I Sell My Granbury 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, if a sale can close before the mortgage foreclosure sale and the payoff, title work, and timing allow it. Texas lenders usually foreclose without going to court, but some cases follow a court process. The actual notice and case status tell you which steps apply.
Call 888-274-5006 — we answer 24/7 — or use the form. Share the property address and the sale date or notice you have.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date or notice you have.
How we help you work toward closing
USA Home Buyers buys houses as-is in Granbury and Hood County, Texas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We review the property and sale timing, then give you a written offer and written terms before you commit. If you choose to proceed, a title company handles the closing. For a mortgage foreclosure, the sale must close before the scheduled trustee's sale to happen first; we can review the timing with 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. Your mortgage payoff and share of current property taxes are separate items reviewed for closing.
Which sale is involved?
Mortgage foreclosure: a trustee's sale
In Texas, a lender usually forecloses on a home without going to court. A trustee or substitute trustee runs this nonjudicial sale. For property used as your residence, the loan servicer must first send a written notice of default by certified mail and give you at least 20 days to catch up before a sale can be noticed. At least 21 days before the sale, the notice of sale must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower.
The trustee's 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. Some foreclosures go through court instead and follow different steps. Read the Texas State Law Library guides to foreclosure notices before the sale and how the sale works.
Property-tax sale: a separate process
A sale over delinquent property taxes is not the same as a mortgage trustee's sale. It has its own notices and deadlines, so do not use the mortgage timeline or auction schedule above for a tax-sale date. Follow the tax-case notice and contact the taxing unit or tax office named there.
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. The title company can review the payoff and lien details against the expected sale proceeds; any lender decision depends on the lender and the property.
What happens next
- Call or send the property address and the date or notice you have.
- We review the house as-is, the sale timing, payoff information, and title details.
- You receive a written offer and written terms before you decide whether to commit.
- If you choose to proceed, a title company reviews ownership and payoff details and coordinates the closing. We work toward closing before the trustee's sale when the property, payoff, title, and timing allow; confirm the current date with the trustee and lender named in your notice.
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.
Hood County offices and foreclosure records
The Hood County Clerk's Records page publishes office contact information and links to foreclosure information, recording fees, forms, and historical deed records. Use it as a local starting point, then confirm the correct office and current sale details against the property records and notice.
For Hood County tax-billing or collection questions, contact the county Tax Assessor/Collector. Confirm account-specific details with the office. For a property-tax sale, follow the tax-case notice and its deadline.
Hood County Clerk — Records →Questions and contact
Estimate possible sale proceeds with the Granbury calculator → Use your own assumptions; the calculator is a planning estimate, not a property-specific offer or settlement figure.
Read Granbury seller reviews or return to the Granbury home-selling page.
Call 888-274-5006 — we answer 24/7 — or send the property address and sale date through the form.
Questions about selling before foreclosure in Granbury, TX
Can I sell my Granbury house before a mortgage foreclosure sale?
Often, yes, if the sale closes before the mortgage foreclosure sale and payoff, title, and timing allow it. Confirm the current date with the trustee and lender named in your notice. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
What notice periods apply to a Texas mortgage foreclosure?
For a home used as your residence, the loan servicer must send a written notice of default by certified mail and give you at least 20 days to catch up before a sale can be noticed. At least 21 days before the sale, the notice of sale must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower. Some foreclosures go through court and follow different steps.
Is a property-tax sale the same as a mortgage foreclosure sale?
No. A property-tax sale is a separate process with its own notices and deadlines. Do not use the mortgage notice periods or trustee-auction schedule to work out a tax-sale deadline; follow the tax-case notice and the contact instructions on it.
What if my mortgage payoff is more than my Granbury house is worth?
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 so the title and sale details can be reviewed for your property.
Do I have to pay back taxes 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. Your mortgage payoff and share of current property taxes are separate items reviewed for closing. A tax-sale notice has its own deadline, so follow that notice.
What happens after I contact USA Home Buyers?
We review the property and the sale timing, then give you a written offer and written terms before you commit. If you choose to proceed, a title company reviews ownership, payoff, and lien details and coordinates the closing.
Talk with us about your Granbury house
Call 888-274-5006 or send the property details and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date or notice you have.