Jacksonville, TX Foreclosure
Can I Sell My Jacksonville 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. A sale may be possible before the mortgage foreclosure auction if the payoff, title work, and closing can be completed in time. The date on your notice and the status of the case matter.
USA Home Buyers buys houses in Jacksonville and Cherokee County, Texas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We answer 24/7 at 888-274-5006.
We give written cash offers in 24 hours.
Share the property address and the sale-date information on your notice.
How we help you work toward closing
We review the house as-is, the notice date, the payoff, and title details. You get written offer terms before you decide. If you choose to move ahead, a title company reviews title and payoff information and coordinates the closing.
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate amounts addressed at closing.
Which sale is in your notice?
A Texas mortgage foreclosure is usually handled without a court case. A trustee or substitute trustee runs the sale; some foreclosures go through court and follow different steps.
For a 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. Then, at least 21 days before the sale, the notice 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. Read the Texas State Law Library guides on notices before a foreclosure sale and what happens at the sale.
A property-tax foreclosure is separate from a mortgage foreclosure and has its own notices and deadlines. The mortgage notice periods above are not tax-sale deadlines; follow the tax-case papers and contact the 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.
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 balance, liens, back taxes, and share of current property taxes are separate amounts. The title company reviews the figures for the property before closing.
What happens next?
- Call or send the Jacksonville property address and the sale-date information you have.
- We review the house and put the offer and terms in writing before you decide.
- If you choose to proceed, a title company reviews title, payoff information, and other claims and coordinates the closing.
- The actual notices and case status determine whether there is time to close before a scheduled mortgage sale.
When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
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.
Cherokee County offices and sale information
Texas mortgage-sale notices are filed with the county clerk. The Cherokee County Clerk is the local county-office contact for records. Use the notice and confirm the current mortgage-sale date with the lender or trustee.
For a property-tax account question, contact the Cherokee County Tax Assessor-Collector. If the notice is for a tax case, follow the deadlines and contact listed in those papers; mortgage-sale dates and notices are different.
Questions and contact
Compare possible Jacksonville sale proceeds with the Jacksonville home-sale calculator →. A calculator estimate is not an offer for your specific house.
Call 888-274-5006 or return to the cash-offer form.
Foreclosure questions for Jacksonville and Cherokee County
Can I sell my Jacksonville house before a trustee's sale?
Often, yes, if your sale closes before the foreclosure sale and the payoff, title work, and closing 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 are the Texas mortgage-foreclosure notice periods?
For a 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, 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 foreclosure the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns the home loan; a property-tax foreclosure concerns unpaid property taxes and follows a separate process with its own notices and deadlines. The mortgage notice periods do not set a tax-case deadline. Follow the tax-case papers and contact the office named there.
What if my mortgage payoff is more than my Jacksonville house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. The lender’s current payoff still needs to be confirmed for your property.
What happens after I contact USA Home Buyers?
We discuss the house and the sale-date information you have, then put the offer and terms in writing before you decide. If you choose to proceed, a title company reviews title and payoff information and coordinates the closing. The actual notices, payoff, title, and case status affect whether there is time to close before a scheduled sale.
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.”