Can I Sell My Monroe House Before Foreclosure?

Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.

Often, yes, if you close before the sheriff's sale and the closing pays the debts and charges needed to clear title. Louisiana mortgage foreclosures use a court proceeding, either ordinary process or executory process. The lender's payoff may include interest, attorney fees, and court costs as well as the loan balance. The sheriff must serve a notice of seizure. If a sale is scheduled, tell us the date right away. Keep following the date in your official papers until the office handling the sale confirms a change.

USA Home Buyers buys houses as-is in Monroe and Ouachita Parish. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call 888-274-5006

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

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How we help you work toward closing

Tell us the property address and any notice or sale date you have. We review the house as-is and give you a written cash offer and written terms before you commit. If you choose to sell to us, the closing is through a title company.

Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.

When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes and share of current property taxes are separate.

Mortgage foreclosure or tax-sale notice?

Mortgage foreclosure

A Louisiana mortgage foreclosure concerns the mortgage debt and proceeds through court. The court papers and sheriff's notice show the status and any sale date for your case. The mortgage payoff and other charges needed to clear title must be addressed at closing.

Property-tax sale

A property-tax sale is a separate matter from a lender's mortgage foreclosure, with its own notice and deadline. Asking to postpone a mortgage sheriff's sale does not change a tax-sale deadline. Follow the tax notice and contact the office named on it.

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.

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 the lender or servicer for a current payoff statement. In Louisiana, the payoff may include interest, attorney fees, and court costs as well as the loan balance. The title company can review the payoff and other charges that need to be addressed to clear title.

What happens next

  1. 1. Tell us the address and date

    Call or use the form with the property address and any notice or sale date you have. You can contact us even if you do not have every document yet.

  2. 2. Review the written terms

    We give you a written cash offer and written terms before you decide whether to commit.

  3. 3. Work through title and payoff

    If you choose to proceed, the title company reviews title, the lender payoff, liens, and the charges that need to be addressed to clear title.

  4. 4. Work toward closing

    We work with the title company and the people handling the payoff and sale date. The closing depends on the title, payoff, required steps, and timing for your property.

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.

Monroe and Ouachita Parish court information

The Fourth Judicial District Court serves Ouachita and Morehouse Parishes and lists the Ouachita Parish Courthouse at 300 St John Street, Monroe, LA 71201. The judicial-district footprint is broader than Monroe city limits, and the city boundary alone does not determine a case's venue. Use your court papers and property records to identify the right office for your case.

Fourth Judicial District Court — Ouachita Parish Courthouse information

Louisiana mortgage-foreclosure law

Monroe foreclosure questions and contact

Questions about selling before foreclosure in Monroe, LA

Can I sell my Monroe house before a mortgage sheriff's sale?

Our agreement of sale will often get a sheriff's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Often, yes, if you close before the sale and the closing pays the debts and charges needed to clear title. If a sale is scheduled, tell us the date right away and keep checking your current papers.

Is a Louisiana tax sale the same as mortgage foreclosure?

No. A mortgage foreclosure concerns the lender's mortgage and proceeds through court. A property-tax sale is a separate matter with its own notice and deadline. A request to postpone a mortgage sheriff's sale does not change a tax-sale deadline; follow the tax notice and contact the office named on it.

What if the mortgage payoff is more than my Monroe house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender for a current payoff statement; the title and payoff details still need to be reviewed for your property.

What happens after I contact USA Home Buyers?

We review the house and give you a written cash offer and written terms before you commit. If you choose to move forward, a title company works through title and payoff details for the closing.

Compare possible sale proceeds with the Monroe home-sale net proceeds calculator. For more local information, see Monroe seller resources or return to the Monroe market page.

What sellers say about USA Home Buyers

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Takes 2 minutes. No obligation.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Call 888-274-5006 about the notice, payoff, or timing.

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