O'Fallon, MO › Foreclosure
Can I Sell My O'Fallon House Before Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
If the trustee’s sale has not happened, selling may still be possible if the loan can be paid off before it. We can look at the house, payoff, and sale date with you.
Call us at 888-274-5006.
How we help you work toward closing
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You get a written offer and written terms before you commit, and we close through a title company. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs.
The mortgage payoff is separate from closing costs. We work with you and the title company to get the payoff information and show how it fits into the closing figures.
Which sale is involved?
Mortgage foreclosure: a trustee’s sale
When a home loan is secured by a deed of trust with a power of sale, the lender can foreclose through a trustee’s sale without a court case. The sale is held in the county where the property is. Missouri requires at least 20 days’ notice, published in a newspaper and mailed by certified or registered mail to the owner of record.
Missouri law: RSMo §443.310, place of sale and 20 days’ notice; §443.320, published notice; and §443.325, mailed notice.
Delinquent property taxes: a separate sale
A county tax sale is a separate process, with its own notice and date. St. Charles County’s Collector of Revenue handles county property-tax collection and tax-sale information.
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 or use the form and tell us the trustee’s sale date.
- We review the house and work with you on the mortgage payoff and title details.
- You get a written offer and written terms before you commit. If you choose to sell, we work with the title company toward closing before the sale date.
- Close as fast as 7 days when title and closing details allow.
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.
Local tax-sale information
If your notice is for a St. Charles County delinquent-property-tax sale, contact the Collector of Revenue about the county process and sale dates.
St. Charles County Collector of RevenueCompare what you could keep
Compare possible sale proceeds with the payoff and costs you expect.
Open the O'Fallon home-sale net-proceeds calculator →Questions about selling before foreclosure in O'Fallon, MO
Can I sell my O'Fallon house before a Missouri trustee's sale?
A sale may still be possible if the loan can be paid off 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. You get a written offer and written terms before you commit, and we close through a title company.
How much notice does Missouri require for a trustee’s sale?
For a deed-of-trust sale with a power of sale, Missouri requires at least 20 days’ notice. The sale is held in the county where the property is located, with notice published in a newspaper and mailed by certified or registered mail to the owner of record.
Is a mortgage foreclosure the same as a property-tax sale?
No. A trustee’s sale for a mortgage is separate from a delinquent-property-tax sale. They have different notices and dates. The St. Charles County Collector of Revenue handles county tax-sale information.
What if my mortgage payoff is more than my house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Can I redeem the house after a Missouri trustee’s sale?
If the lender or someone acting for it buys the property at the trustee’s sale, you can redeem within one year. To keep that right, you must give written notice of intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale.
What does it cost to sell to USA Home Buyers?
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs.
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Talk with us about the house and sale date
Call 888-274-5006 or use the form to tell us what is happening.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.