Can I Sell My Lafayette House Before Foreclosure?

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.

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 may include the loan balance, interest, attorney fees, and court costs. The sheriff must serve a notice of seizure. If a sale is scheduled, tell us the date right away.

USA Home Buyers buys houses in the City of Lafayette and Lafayette Parish. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

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We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

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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, the closing is through a title company.

The title company can review the current mortgage payoff, title, liens, and other charges that need to be addressed to clear title. 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 using the date in your official papers. A postponement request does not change a deadline by itself; confirm any change with the office handling the sale and get advice from a qualified Louisiana attorney about your case.

Mortgage foreclosure or property-tax sale?

Mortgage foreclosure

A Louisiana mortgage foreclosure is a court proceeding, through ordinary process or executory process. The payoff may 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. It has its own notice and deadline. Asking to postpone 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. 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. 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. 3. Work through title and payoff

    If you choose to proceed, the title company checks ownership, title, the current lender payoff, liens, and the charges that need to be addressed to clear title.

  4. 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, the 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.

Lafayette Parish sale information

The Lafayette Parish Sheriff's Office Civil Processing Division handles property seizures and sales and provides civil sale notices. Check its official information, then confirm the current date for your property with the office handling your notice. For a property-tax notice, follow that separate notice and deadline.

Lafayette Parish Sheriff's Office Civil Processing Division — property sales and civil sale notices

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 Lafayette home-sale net proceeds calculator →

Lafayette foreclosure questions and contact

Questions about selling before foreclosure in Lafayette, LA

Can I sell my Lafayette house before a mortgage sheriff's sale?

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. Often, yes, if you close before the sale and the closing pays the debts and charges needed to clear title. If a sale is scheduled, tell us the date right away and keep checking your current papers.

Does signing an agreement of sale automatically postpone a sheriff's sale?

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 and confirm any change with the Lafayette Parish Sheriff's Office handling the sale.

Is a property-tax sale the same as a mortgage foreclosure in Louisiana?

No. A mortgage foreclosure concerns a lender’s mortgage and proceeds through court. A property-tax sale is a separate matter with 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 Lafayette 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 for a current payoff statement; the title and payoff details still need to be reviewed for your property.

Do I have to pay back taxes or liens before 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. A separate tax-sale notice has its own deadline, so follow that notice and contact the office named on it.

What happens after I contact USA Home Buyers?

Share the property 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.

Read Lafayette seller reviews or return to the Lafayette market page.

What sellers say about USA Home Buyers

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Call 888-274-5006 or read more Lafayette seller resources.

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