Lubbock, TX Foreclosure
Can I sell my Lubbock 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 foreclosure sale if the payoff, title, and required closing steps can be completed in time. If the auction has already happened, what you can do depends on the actual case and sale.
USA Home Buyers buys houses in Lubbock, Texas, and elsewhere in Lubbock County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 or use the form to tell us about the property and sale date.
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 foreclosure or sale-date information you have.
How we help you work toward closing
We look at the house as-is, the sale date, mortgage payoff, and title details. You get a written offer and written terms before you commit; closing is through a title company. If you choose to sell, we work with the title company on title, payoff, and the other closing details.
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate amounts addressed at closing.
Which sale is involved?
A Texas mortgage foreclosure is usually handled without a court case: a trustee or substitute trustee runs the sale. Some mortgage foreclosures go through court and follow different steps. A property-tax foreclosure is separate and has its own notices and deadlines. Do not use a mortgage notice period to work out a tax-case deadline; follow the papers for the process named in your notice.
Texas mortgage notices and trustee sales
For a home used as your residence in a non-judicial mortgage foreclosure, 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 trustee's 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. Read the notice for the property and confirm the current date with the lender or trustee.
- Texas State Law Library: Foreclosure Before the Sale explains the default and sale notices.
- Texas State Law Library: The Foreclosure Sale explains the trustee sale and auction timing.
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 payoff statement and title review help show what must be addressed to complete a sale. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from closing costs.
What happens next
- Call or send the Lubbock property address and the notice or sale-date information you have.
- We review the house and give you written offer terms before you commit.
- If you choose to proceed, a title company reviews title, mortgage payoff, liens, and other amounts and coordinates the closing steps.
- When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate amounts addressed at 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.
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.
Lubbock County records and property-tax information
The foreclosure notice is filed with the county clerk. For Lubbock County real-property record questions, start with the County Clerk's Real Property division. Check the sale notice and confirm its date with the lender or trustee; a general county record is not a substitute for the notice tied to your property.
For property-level assessment and tax information, Lubbock County directs property-tax users to the Lubbock Central Appraisal District (LCAD). Confirm the taxing unit and parcel record directly. Property-tax notices and dates are separate from a mortgage trustee's sale.
Compare possible sale proceeds
Use the Lubbock home-sale calculator to estimate what you might keep. A calculator estimate is not an offer for your specific house or a statement of the amount a foreclosure sale would bring.
Questions about foreclosure in Lubbock, TX
Can I sell my Lubbock house before a trustee sale?
Often, yes, if the sale closes before the foreclosure sale and the payoff, title work, and other closing steps 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.
What are the Texas mortgage-foreclosure notice periods?
For a property used as your residence in a non-judicial mortgage foreclosure, the loan servicer must send a written default notice 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 foreclosure the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns the home loan; a property-tax foreclosure concerns unpaid property taxes and follows a separate process with its own notices and deadlines. The mortgage notice periods on this page do not set a property-tax case deadline. Follow the papers for that tax case and the date stated there.
What if my mortgage payoff is more than my Lubbock house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A current payoff statement and title review show the amounts that would need to be addressed at closing.
What happens after I contact USA Home Buyers?
We review the house and the sale-date information you share, then give you written offer terms before you commit. If you choose to proceed, a title company reviews title, payoff, and other claims and coordinates the closing steps. Whether there is time to close before a scheduled sale depends on the actual notices, payoff, title, and case status.
What sellers say about USA Home Buyers
Talk through the date on your notice
Call 888-274-5006 or send the Lubbock property address and the sale-date information you have. We buy houses as-is in Lubbock and Lubbock County.
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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 foreclosure or sale-date information you have.