How we help you work toward closing
Tell us the property address and the date on your notice. We review the house as-is and give you a written offer and written terms before you commit. If you choose to sell to us, closing is through a title company.
Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Keep following the date in your official papers. Signing an agreement does not change a sale date by itself; confirm any change with the office handling the sale and get advice from a qualified Louisiana attorney about your case.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Mortgage foreclosure or a property-tax sale?
Mortgage foreclosure
Louisiana mortgage foreclosure is a court proceeding, through ordinary process or executory process. The payoff can include the loan balance, interest, attorney fees, and court costs. The sheriff must serve a notice of seizure. Use your current court and sheriff papers for the status and sale date.
Property-tax sale
A property-tax sale is separate from a lender's mortgage foreclosure and has its own notice and deadline. A request about a mortgage sheriff's sale does not change a tax-sale deadline. Follow the tax notice and contact the office named on it.
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.
Ask the lender or servicer for a current payoff statement. In Louisiana, the payoff can include interest, attorney fees, and court costs in addition to the loan balance. The title company can review the payoff and other amounts that need to be addressed to clear title.
What happens next
1. Tell us the address and date
Call or use the form with the property address and any sale notice or date you have. You can contact us even if you do not have every document yet.
2. Review the written terms
We review the house and give you a written cash offer and written terms before you decide whether to commit.
3. Work through title and payoff
If you choose to proceed, the title company reviews ownership, title, the current lender payoff, liens, and other amounts that need to be addressed to clear title.
4. Work toward closing
We work with the title company and the people handling the payoff and sale date. If a sheriff's sale is scheduled, closing needs to happen in time to pay the debts and charges needed to clear title.
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.
Terrebonne Parish sale and tax information
The Terrebonne Parish Sheriff's online services link to a sale portal. Use it to find the local notice, then confirm the current status and any dates with the office handling that notice.
Terrebonne Parish Sheriff's sale portal ↗
The Terrebonne Parish Clerk of Court lists a Civil Records route and is at 7856 Main Street, Houma, LA 70360; call 985-868-5660 for its listed contact route. For a property-tax notice, contact the Tax Collector at 985-857-0230 and follow the separate notice and deadline.
- Terrebonne Parish Clerk of Court — Civil Records ↗
- Terrebonne Parish Sheriff — Tax Notices ↗
- Terrebonne Parish Sheriff — Tax Payment FAQ ↗
These are starting points, not a substitute for the instructions and dates on your specific court or tax notice.
Compare possible sale proceeds
Use your own assumptions to compare a possible sale with a listing estimate. The calculator is for planning; it is not a property-specific offer or payoff statement.
Open the Houma home-sale net proceeds calculator →Houma foreclosure questions and contact
Questions about selling before foreclosure in Houma, LA
Can I sell my Houma house before a mortgage sheriff's sale?
Often, yes, if you close before the sheriff's sale and the closing pays the debts and charges needed to clear title. Louisiana mortgage foreclosures use a court proceeding, either ordinary process or executory process. The lender's payoff can include interest, attorney fees, and court costs as well as the loan balance. If a sale is scheduled, tell us the date right away.
Is a mortgage foreclosure the same as a property-tax sale?
No. A mortgage foreclosure concerns a lender’s mortgage and proceeds through court. A property-tax sale is separate and has its own notice and deadline. Do not use a mortgage-sale postponement or date to answer a tax-sale question; follow the tax notice and contact the office named on it.
What if the mortgage payoff is more than my Houma house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender or servicer for a current payoff statement so the title company can review the amount and other charges for your property.
What happens after I contact USA Home Buyers?
Share the Houma address and any sale date or notice you have. We review the house, give you a written cash offer and written terms before you commit, and work with a title company on title and payoff details if you choose to move forward.
Where can I check a Terrebonne Parish sheriff-sale notice?
The Terrebonne Parish Sheriff’s sale portal is a starting point for local sale notices. Check the notice and confirm its current status and date with the office handling it. For a property-tax notice, use that notice and the separate tax-contact routes.
What sellers say about USA Home Buyers
Talk with us about your Houma house
Call 888-274-5006 or share the property address and any 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.
Takes 2 minutes. No obligation.