McAllen, TX › Foreclosure
Can I Sell My McAllen House Before Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Yes. You may still be able to sell before the mortgage sale if the payoff, title work, and closing can be completed in time. USA Home Buyers buys houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy houses in McAllen and Hidalgo County.
Call us or send the property address and the date on your notice. You do not need to wait until you have every payoff detail.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property and the foreclosure notice or sale date.
How we work toward closing
We look at the house as-is and give you a written offer with written terms before you commit. If you choose to move ahead, the title company checks the title and payoff details and handles the closing.
The timing matters: the sale needs to close 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.
Mortgage trustee’s sale or property-tax sale?
Texas mortgage foreclosures often use a non-judicial process: a trustee or substitute trustee can conduct the sale without first filing a court case. For a home 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. At least 21 days before the sale, the notice 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 and follow different steps. These mortgage-sale dates do not tell you when a separate property-tax sale will happen. Follow the notices for the process named on your papers and confirm the current date with the office or trustee named there.
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 with the McAllen-area property address and the date on your notice.
- We review the house as-is and give you a written cash offer and written terms before you commit.
- If you decide to proceed, the title company checks title and requests the mortgage payoff and lien details.
- The sale must close before the scheduled trustee’s sale. Keep using the date on your notice unless the trustee or lender confirms a change.
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. A property-tax sale is a separate process, with its own notice and dates.
When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate.
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.
Hidalgo County offices and sale notices
A Texas trustee-sale notice is filed with the county clerk. The Hidalgo County Clerk’s Office is the local office page for clerk information. For property-tax account questions, use the Hidalgo County Tax Office. If your notice names a different office or trustee, contact that office to confirm the sale status and date; mortgage and tax-sale deadlines are separate.
Compare possible proceeds
Use your own sale and payoff estimates to plan. The calculator is a planning tool, not a property-specific offer.
Open the McAllen home-sale net-proceeds calculator →Questions and contact
Call 888-274-5006 or read the McAllen review information.
Foreclosure questions for McAllen and Hidalgo County
Can I sell my McAllen house before a trustee’s sale?
A sale may still be possible if the payoff, title work, and closing can be completed before the trustee’s sale. If a sale is scheduled, tell us the date right away so we can try to close before it.
What are the Texas mortgage-foreclosure notice and sale dates?
For a home used as your residence, the loan servicer must send a written default notice by certified mail and give at least 20 days to catch up before a sale can be noticed. The sale notice must be posted, filed with the county clerk, and sent by certified mail at least 21 days before the sale. A non-judicial trustee’s auction is usually on the first Tuesday of the month between 10 a.m. and 4 p.m.; it must start within three hours of the time in the notice. Some foreclosures go through court and follow different steps. Check the actual notice and case papers for your property.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage trustee’s sale concerns a home loan; a property-tax sale is a separate process with its own notice and dates. Do not use the mortgage-foreclosure deadlines on this page to work out a tax-sale deadline. Follow the tax-sale notice and contact the office named there.
What if my mortgage payoff is more than my McAllen house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Do I have to pay back taxes or liens 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. A property-tax sale is separate and still follows the dates on its own notice.
Talk with us about your McAllen property
Call 888-274-5006 about the property or 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 the foreclosure notice.