How we help with a foreclosure sale
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
You get a written offer and written terms before you commit, and we close through a title company.
When you sell to us, we pay the closing costs. No agent commissions when you sell to us. No fees.
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.
Mortgage foreclosure and Clay County tax sales have different deadlines
If your 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 the county where the property is. Missouri requires at least 20 days’ notice, published in a newspaper and mailed by certified or registered mail to the owner of record.
Unpaid property taxes can lead to a separate Clay County tax sale. That sale follows its own notice and timing; the mortgage trustee-sale dates above are for a home-loan foreclosure. If you receive a tax-sale notice, call us with the date and we’ll sort it out with you.
Missouri’s notice rules are in RSMo §443.310, §443.320, and §443.325.
If the lender or someone acting for it buys at the trustee’s sale, you can redeem the house within one year. To keep that right, give written notice of your intent at the sale or within the 10 days before it, then file a court-approved bond within 20 days after the sale. The rules are in RSMo §443.410 and §443.420.
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. We’ll talk through the notice, sale date, and loan payoff with you.
You get a written offer and written terms before you commit, and we close through a title company. We work with you and the title company on title and payoff details as we work toward closing before the sale.
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.
Clay County property-tax and tax-sale help
The Clay County Collector of Revenue handles county property-tax and tax-sale questions. The office is at 1 Courthouse Square in Liberty; call 816-407-3200.
Clay County Collector of Revenue · Clay County tax-sale information
Talk through the notice and payoff
Call 888-274-5006 or use the form above. You can call while you’re still sorting out the notice.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
Questions about foreclosure in Liberty, Missouri
Can I sell my Liberty house before a trustee's sale?
A sale may still be possible if the loan can be paid off before the trustee's sale. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
How much notice comes before a Missouri trustee’s sale?
For a deed-of-trust foreclosure with a power of sale, Missouri requires at least 20 days’ notice. The sale is held in the county where the property is, and notice is published in a newspaper and mailed by certified or registered mail to the owner of record.
Is a Clay County tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure is about the home loan and can lead to a trustee’s sale. A Clay County property-tax sale is a separate process with its own notice and timing. The Clay County Collector handles county property-tax and tax-sale questions.
Can I redeem my house after a trustee’s sale?
If the lender or someone acting for it buys at the trustee’s sale, you can redeem within one year. To keep that right, give written notice of your intent at the sale or within the 10 days before it, then file a court-approved bond within 20 days after the sale.
What if the mortgage payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“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.”