Hillsboro, TX › Foreclosure
Can I sell my Hillsboro 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. With a mortgage foreclosure, you may be able to sell before the sale if the payoff, title work, and closing steps can be completed in time. A property-tax foreclosure follows a different case and deadline. If the auction has already happened, what you can do depends on the case and completed sale.
We're USA Home Buyers. We buy houses as-is in Hillsboro and Hill County, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 or use the form to request a cash offer and share the date on your notice.
We'll give you a written cash offer within 24 hours.
How we help
We look at the house as it is, the sale date, payoff, and title details. Before you commit, we give you a written cash offer and written terms. If you choose to sell, the closing goes 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 reviewed for 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.
Which sale is involved?
A Texas mortgage foreclosure is usually handled without a court case by a trustee or substitute trustee, although some mortgage foreclosures go through court. A property-tax foreclosure is a separate case about unpaid taxes. The mortgage notice periods below do not set a tax-sale deadline.
Texas mortgage notices and sale
For a home 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, the notice of sale must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower.
The 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. Court foreclosures follow different steps. Read your own notices and confirm the date with the trustee or loan servicer.
- Texas State Law Library: Foreclosure Before the Sale explains the default and sale notices.
- Texas State Law Library: The Foreclosure Sale explains the trustee-run 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.
What happens next
- Call or send the Hillsboro property address and tell us the date on your notice.
- We review the house and give you a written cash offer and written terms before you decide.
- If you want to proceed, a title company reviews title, payoff, and closing details.
- If the terms and timing support a sale and you choose to proceed, 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.
Hill County records and tax-sale information
Hill County's courthouse is in Hillsboro. For a mortgage trustee sale, use the notice and confirm its date with the trustee or servicer named there; the county clerk's records search is not a sale calendar.
The Hill County Clerk is at 80 North Waco Street, first floor, Hillsboro, TX 76645. The Clerk provides land-record searches and records real-property documents. Confirm current procedures with the office.
For property-tax account or tax-sale information, contact the Hill County Tax Assessor-Collector at 126 South Covington Street, Hillsboro, TX 76645, or visit the Hill County Tax Office. Confirm current parcel information with the office.
Questions and contact
A calculator is an estimate, not a property-specific offer. Estimate possible proceeds with the Hillsboro home-sale calculator →
Foreclosure questions for Hillsboro and Hill County
Can I sell my Hillsboro house before a foreclosure sale?
Often, yes, if a mortgage sale closes before the foreclosure sale and the payoff, title work, 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.
What notice periods apply to a Texas mortgage foreclosure?
For a home used as your residence in a nonjudicial 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. 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 foreclosure is a separate case about unpaid property taxes. The 20-day and 21-day mortgage notice periods do not set a tax-sale deadline. Follow the tax-case papers and contact the office named there; Hill County Tax Office can route property-tax and tax-sale questions.
What if the lender payoff is more than my Hillsboro house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The current payoff still needs to be reviewed for your property.
How do I check the date of a trustee sale in Hill County?
Read the notice for your property and confirm the current date with the trustee or loan servicer listed there. The Hill County Clerk provides land-record search and recording information; it is not a substitute for the sale notice or the contact named in it.
Call 888-274-5006 to talk through the notice and timing, or use the form below.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
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.”