Laredo, TX › Foreclosure
Can I Sell My Laredo House in Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes. If you are facing a mortgage foreclosure, a sale may be possible before the scheduled sale if the payoff, title work, and closing can be completed in time. A property-tax sale is different and has separate case papers and dates.
We're USA Home Buyers. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses in Laredo and Webb County.
Ask for a cash offer through the form or call 888-274-5006.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date shown on your notice.
How we help
We review the house and its timing and make a written cash offer. You get the written terms before you commit. If you choose to move ahead, a title company reviews the title and payoff information and coordinates the closing.
Which sale is named in your notice?
A Texas mortgage foreclosure is usually non-judicial: a trustee or substitute trustee handles the sale without a court case. Some foreclosures go through court and follow different steps.
For a home used as your residence, 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 mortgage 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 a separate process. The mortgage notice periods and first-Tuesday auction details above are not tax-sale deadlines. Follow the tax-case papers and check dates with the office named in them.
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 and share of current property taxes are separate amounts. A title company reviews the figures for the property before closing.
What happens next?
- Call us or send the property address and the date on your mortgage or tax-sale notice.
- Review the written cash offer and written terms before deciding whether to commit.
- If you choose to proceed, a title company checks title and payoff information and coordinates the closing.
- For a mortgage foreclosure, the sale needs to close before the scheduled trustee's sale.
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.
Webb County sale and account information
The Webb County Clerk posts trustee foreclosure notices and says the Clerk does not conduct trustee sales. Its office is at 1110 Victoria Street, Suite 201, Laredo, TX 78040; call 956-523-4266 for county-record questions. Read the Webb County foreclosure notices and information and contact the party named on the notice about the sale itself.
For a property-tax account or payment question, contact the Webb County Tax Assessor-Collector at 1110 Victoria Street, Suite 107, Laredo, TX 78040, phone 956-523-4200. See the Webb County Tax Assessor-Collector. For a tax-sale date or case question, follow the tax-case papers and contact the office named there.
Questions and contact
Compare possible sale proceeds with a listing using the Laredo home-sale calculator →. You can also read Laredo-area seller reviews.
Call 888-274-5006 to talk through the notice and timing.
Foreclosure questions for Laredo and Webb County
Can I sell my Laredo house before a foreclosure sale?
Often, yes, if a mortgage sale can close before it. The notice date, payoff, title work, and any court case affect the path. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
What deadlines apply to a Texas mortgage foreclosure?
For a home used as your residence, 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. 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 mortgage trustee sale and a property-tax foreclosure are different processes. The mortgage notice periods on this page do not set the deadline in a tax case. Follow the tax-case papers and contact the office named there; the Webb County Tax Assessor-Collector can answer property-tax account and payment questions.
Where can I find a Webb County trustee foreclosure notice?
The Webb County Clerk posts trustee foreclosure notices and states that the Clerk does not conduct trustee sales. Read the notice and contact the party named there about its date and terms.
What if the lender payoff is more than my Laredo 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 has to be confirmed for your property.
What happens after I contact USA Home Buyers?
We talk through the house and the date on your notice, then give you a written offer and written terms before you commit. If you decide to proceed, a title company reviews title and payoff information and coordinates the closing.
What sellers say about USA Home Buyers
Talk with us about your Laredo house
Call 888-274-5006 or send the property details and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property and foreclosure notice.