Can I Sell My Kirkwood House Before Foreclosure?

If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.

Yes, selling before a trustee’s sale may be possible if the loan can be paid off before the sale. A Missouri home loan secured by a deed of trust can go to a trustee’s sale without a court case.

We buy houses in Kirkwood as-is. Call 888-274-5006 or send the property address through the form. We answer 24/7 at 888-274-5006.

We give written cash offers in 24 hours.

Share the Kirkwood address and the date shown on your foreclosure notice.

Read our Google reviews

How we help

If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You get a written offer and written terms before you commit, and we close through a title company. No agent commissions when you sell to us.

When you sell to us, we pay the closing costs. No fees.

Which sale is involved?

Mortgage foreclosure: a trustee’s sale

When a home loan is secured by a deed of trust with a power of sale, the lender can foreclose through a trustee’s sale without a court case. The sale is held in St. Louis County. Missouri requires at least 20 days’ notice published in a newspaper and mailed by certified or registered mail to the owner of record. Check the notice and ask the lender or trustee and title company to confirm the sale date and payoff.

If the lender or someone acting for it buys the house at the trustee’s sale, you can redeem it within one year. To keep that right, give written notice of intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale.

A property-tax sale is separate

A sale for unpaid property taxes has its own notices and dates; it is separate from a lender’s mortgage foreclosure. For Kirkwood property-tax bills and tax-sale questions, contact the St. Louis County Collector of Revenue.

St. Louis County Collector of Revenue →

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 us or use the form with the Kirkwood address and the date on your notice.
We review the house and give you a written offer and written terms before you commit.
We work with the title company on the title, payoff, and closing details.
Close as fast as 7 days when title and closing details allow.

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.

Local help for a Kirkwood foreclosure notice

Kirkwood is in St. Louis County. If your notice is about unpaid property taxes, contact the County Collector about the bill and tax-sale date. For a mortgage trustee’s sale, use the lender or trustee contact on your notice to confirm the sale date and payoff.

St. Louis County Collector of Revenue — property-tax information →

Questions and contact

Estimate possible sale proceeds with the Kirkwood calculator →

What our sellers say

BBB A rating Read our Google reviews

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”

James R.Behind on Payments — Pre-Foreclosure

Questions about selling before foreclosure in Kirkwood, MO

Can I sell my Kirkwood house before a trustee’s sale?

If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. A sale may still be possible if the loan can be paid off before the sale.

How does a Missouri trustee’s sale work?

A lender can foreclose without a court case when the home loan is secured by a deed of trust with a power of sale. The sale is held in the county where the house is, with at least 20 days’ notice published in a newspaper and mailed by certified or registered mail to the owner of record.

Is a tax sale the same as a mortgage foreclosure?

No. A property-tax sale and a mortgage trustee’s sale are separate processes with separate notices and dates. For Kirkwood property-tax and tax-sale questions, contact the St. Louis County Collector of Revenue.

What if the payoff is more than my Kirkwood house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

Can I redeem the house after a Missouri trustee’s sale?

If the lender or someone acting for it buys the house at the sale, you may redeem within one year. To keep that right, give written notice of intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale.

Talk with us about the Kirkwood house and its notice

Call 888-274-5006 or send the property address and sale date through the form.

We give written cash offers in 24 hours.

Share the Kirkwood address and the date shown on your notice.