Midland, TX / Foreclosure
Can I Sell My Midland 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, if a sale can close before the mortgage foreclosure sale and the payoff, title work, and timing fit. In Texas, a lender usually forecloses without going to court through a trustee or substitute trustee. Some cases go through court and follow different steps, so check the notice for your property.
Call 888-274-5006 or use the form. Share the property address and the sale date or notice you have.
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 sale date or notice you have.
How we help you work toward closing
USA Home Buyers buys houses as-is in Midland, Midland County, and Martin County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We review the property and timing, then give you a written offer and written terms before you commit. A title company handles the closing. When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate items handled through 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.
Which sale is involved?
Mortgage foreclosure: a trustee's sale
For a home used as your residence, the loan servicer must first send a written notice of default by certified mail. It must give you at least 20 days to catch up before a sale can be noticed. 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.
A 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 and follow different steps. Read the Texas State Law Library guides to foreclosure notices before the sale and how the sale works.
Property-tax sale: a separate process
A sale over delinquent property taxes is not the same as a mortgage trustee's sale. It has its own notices and deadlines, so do not use the mortgage timeline above for a tax-sale notice. Follow the notice and contact the taxing unit or tax office 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.
Ask your lender for a current payoff. The title company can review the payoff and liens against the expected sale proceeds; any lender decision depends on the lender and the property.
What happens next
- Call us or send the property address and the date or notice you have.
- We review the house as-is and put the offer and written terms in front of you before you commit.
- If you choose to proceed, a title company reviews ownership, payoff, and lien details.
- We work toward closing before the trustee's sale when the property, payoff, title, and timing allow. Confirm the current date with the trustee and lender.
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.
Midland-area county offices and records
Midland is in both Midland County and Martin County. The Texas notice of sale is filed with the county clerk, so use the county for the property when looking up the right office. The clerk's office is not a substitute for confirming the current sale date with the trustee named in the notice and your lender.
- Midland County Clerk — county office information.
- Martin County & District Clerk — county office information.
- For Midland County property-tax questions, see the Midland County Tax Office. For a Martin County property, use the taxing-unit or tax-office contact on the notice.
Questions and contact
Estimate possible sale proceeds with the Midland calculator → Use your own assumptions; the calculator is a planning estimate, not a property-specific offer or settlement figure.
Read Midland reviews and trust information or return to the Midland home-selling page.
Call 888-274-5006 or send the property address and sale date through the form.
Questions about selling before foreclosure in Midland, TX
Can I sell my Midland house before a mortgage foreclosure sale?
Often, yes, if the sale closes before the foreclosure sale and the payoff, title work, and timing allow it. An offer is not the closing; confirm the current date with the trustee and lender named in your notice.
What Texas mortgage foreclosure dates should I check?
For a home used as your residence, the 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 at the courthouse, filed with the county clerk, and mailed to each borrower by certified mail at least 21 days before the sale. The notice gives the date and time.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure concerns the home loan. A sale over delinquent property taxes is a separate process with its own notices and deadlines. Follow the tax notice and do not use the mortgage timeline for a tax sale.
Which county handles a Midland foreclosure notice?
Midland is in both Midland County and Martin County. Check the property county on its records and notice, then use that county’s office information; the correct county depends on the property address.
What if my mortgage payoff is more than my Midland 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 and title review can show what would need to be addressed at closing; any lender decision depends on that lender and situation.
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. A tax-sale notice still has its own deadline, so follow that notice.
Who pays closing costs when I sell to USA Home Buyers?
When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate items handled through the closing.
Talk through the foreclosure date
Call 888-274-5006 or send the Midland property address and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and sale timing so we can review the property and next steps.