Longview, TX › Foreclosure
Can I Sell My Longview House Before Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes. You may be able to sell before the mortgage foreclosure sale if the sale can close in time and the payoff, title work, and any required court steps are addressed. If the sale already happened, the options may be different.
USA Home Buyers buys houses as-is in Longview, TX, and in Gregg and Harrison Counties. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us the property address and the trustee-sale date, if one is scheduled.
How we help
Tell us the address and what the notice says. We review the house as-is and give you a written cash offer; you get written terms before you commit, and the closing is through a title company. If you choose to move forward, we work with the title company on the title and payoff details while working toward a closing before the trustee's sale.
Which sale is involved?
Mortgage foreclosure
Texas lenders usually foreclose without filing a court case. A trustee or substitute trustee conducts this non-judicial sale. For a property used as your residence, the loan servicer must first send a 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. See the Texas State Law Library's guidance on notices before a foreclosure sale.
The 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. Some foreclosures go through court instead and follow different steps. Read the Texas State Law Library's explanation of the foreclosure sale, and check your own notice for the date and time.
Property-tax sale
A property-tax notice is not a mortgage-foreclosure notice. The mortgage notice periods above do not tell you a tax-sale deadline. Follow the dates and instructions on the tax notice and contact the tax assessor-collector for the county where the parcel is located.
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.
A current mortgage payoff, other liens, back taxes, and your share of current property taxes are separate figures. If you have a payoff statement, we can include it in the review; the title company checks the amounts and requirements for the property.
What happens next
- Call or send the Longview property address and the trustee-sale date. You do not need to wait until you have every payoff detail.
- We review the house as-is and give you a written cash offer within 24 hours. You get written terms before you commit.
- If you choose to move forward, the title company works through title and payoff details, including mortgage, liens, and back taxes.
- If the sale and title requirements allow, we work toward closing before the trustee's sale.
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate from this promise.
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.
Gregg and Harrison County offices
Longview properties may be in Gregg or Harrison County. Check the legal county in the parcel or title records before relying on a county-specific office or record. Texas foreclosure sale notices are filed with the county clerk; the county clerk pages below are local record routes, not a substitute for the notice or confirmation of a live sale date.
- Gregg County Clerk — Gregg County Courthouse, 101 E. Methvin, Suite 200, Longview, TX 75601; 903-236-8430.
- Harrison County Clerk — Harrison County Courthouse, 200 W. Houston, Suite 143, Marshall; 903-935-8403.
- For property-tax account questions, contact the Gregg County Tax Assessor-Collector at 903-237-2552, or the Harrison County Tax Assessor-Collector at 903-935-8411, according to the property's county.
Questions and contact
Compare a possible cash sale with a listing using the Longview home-sale net-proceeds calculator. Read Longview seller reviews or visit the Longview seller resources page.
Foreclosure questions for Longview, TX
Can I sell my Longview house before a Texas foreclosure sale?
Often, yes, if the sale can close before the foreclosure sale and the required payoff and title work are completed in time. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. The notices and sale status for your property still matter.
What are the notice periods for a Texas mortgage foreclosure?
For a home used as your residence, the servicer must first send a written default notice by certified mail giving at least 20 days to catch up before a sale can be noticed. The notice of sale must then be posted at the courthouse, filed with the county clerk, and sent by certified mail at least 21 days before the sale. Some foreclosures use a court process with different steps.
When does a Texas trustee sale usually happen?
A non-judicial foreclosure 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 begin no later than three hours after the time stated in the notice. Check your notice and confirm the current status for your property.
Is a property-tax sale the same as a mortgage foreclosure?
No. A property-tax notice and a mortgage-foreclosure notice involve different processes. The mortgage notice periods on this page are not tax-sale deadlines. Follow the date and instructions on the tax notice and contact the tax assessor-collector for the county where the property is located.
What if the mortgage payoff is more than my Longview house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. If you have a current payoff statement, share it so the title and payoff figures can be reviewed for the property.
Do I have to pay back taxes before selling to you?
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 from closing costs and still have to be accounted for.
Talk with us about your Longview property
Call 888-274-5006 now, even if you are still sorting out the notice or payoff.
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.