Lebanon, MO / Foreclosure
Can I Sell My Lebanon, MO 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.
Yes, a sale may still be possible before the trustee’s sale if the loan can be paid off and title and closing work can be completed in time. USA Home Buyers buys houses as-is in Lebanon and Laclede County, Missouri. Call us at 888-274-5006 — we answer 24/7 — or use the form to ask for a cash offer.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the Lebanon property address and the date on your notice, if one is scheduled.
How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not need to fix or clean out the house before asking us to review it.
We give you a written cash offer and written terms before you commit. If you choose to move ahead, a title company reviews ownership and payoff information and works through the closing steps with you. When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
Mortgage foreclosure or property-tax sale?
This mortgage information concerns a home loan secured by a deed of trust with a power of sale. In that situation, the lender can foreclose through a trustee’s sale without a court case. Missouri law requires at least 20 days’ notice, published in a newspaper and mailed by certified or registered mail to the owner of record. The sale is held in the county where the property is located. Check the notice and confirm the current date and amount needed with the lender, trustee, title company, or an attorney.
A property-tax sale is different: it concerns delinquent property taxes and has its own notice and dates through the county. Do not use the mortgage notice period or redemption rules below to calculate a tax-sale deadline. For a Laclede County tax notice, use the Collector’s official information and follow the date on the notice.
If the lender or someone acting for it buys at a trustee’s sale, the owner can redeem within one year. To keep that right, the owner must 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. These are separate deadlines from the notice period; ask an attorney promptly how they apply to your situation.
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 for a current payoff. A title company can review the payoff and other recorded amounts tied to the property so you can see what would need to be addressed at closing.
What happens next
- Tell us the property address and the date and type of notice you received.
- We review the house and give you a written cash offer and written terms before you commit.
- If you choose to proceed, a title company checks ownership, payoff information, and title details.
- The title company works through the closing steps; timing depends on the payoff, title, sale status, and time available before the 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.
Laclede County tax-sale information
The Laclede County Collector handles current and delinquent property-tax collection and provides the county’s delinquent-tax-sale information. For a tax notice, confirm the parcel’s status, sale information, and applicable dates with the Collector; those are separate from a mortgage trustee’s sale.
The Collector is listed at 200 North Adams Avenue, Lebanon, MO 65536, phone 417-532-4301. See the Laclede County Collector or the County Government Center department directory.
Questions about foreclosure in Lebanon, MO
Can I sell my Lebanon house before a Missouri trustee’s sale?
A sale may still be possible if the loan can be paid off before the trustee's sale and the title and closing work 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. Confirm the current date and payoff with the trustee, lender, title company, or an attorney.
How much notice does a Missouri trustee’s sale require?
For a deed-of-trust sale with a power of sale, Missouri law requires at least 20 days’ notice. The sale is held in the county where the property is located; notice is published in a newspaper and mailed to the owner of record by certified or registered mail. Check your notice for the current date.
Is a mortgage foreclosure the same as a Laclede County tax sale?
No. A mortgage foreclosure under a deed of trust and a delinquent property-tax sale are separate processes with separate notices and dates. Do not use mortgage trustee-sale deadlines to work out a tax-sale deadline. Follow the tax notice and check the parcel’s status and sale information with the Laclede County Collector.
What if my mortgage payoff is more than the house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Does an offer change a scheduled trustee-sale date?
Do not assume that an offer or sale agreement changes the date on your notice. Confirm any change with the trustee or lender handling the sale, and ask a title company or attorney what is needed for your property.
Can I redeem my house after a Missouri trustee’s sale?
If the lender or someone acting for it buys at the trustee’s sale, Missouri law allows the owner to redeem within one year. To keep that right, the owner must 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. Ask an attorney promptly whether this applies to your situation.
What happens after I contact USA Home Buyers?
We review the house and give you a written cash offer and written terms before you commit. If you choose to move forward, a title company reviews title and payoff information and works through the closing details with you.
Estimate possible sale proceeds with the Lebanon home-sale net proceeds calculator → . The calculator is a planning estimate, not a property-specific offer.
See Lebanon home-selling options · Read seller reviews and their source locations
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.”
Ask about a Lebanon cash offer
Call 888-274-5006 — we answer 24/7 — or send the property address and sale notice through the one-step form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us what you know about the property and the notice date.