Can I Sell My Oakville 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 trustee's sale if the loan can be paid off in time. Call 888-274-5006 with the date on your notice, or use the form to tell us about the house.
We answer 24/7 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.
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs.
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 a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
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.
If the trustee's sale already happened
If the lender or someone acting for it buys at the trustee's sale, you can redeem the house within one year. To keep that right, give written notice of your intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale.
Property-tax sale: a separate process
A sale for unpaid property taxes is separate from a mortgage trustee's sale and has its own notice and date. For St. Louis County property-tax bills and payment questions, contact the Collector of Revenue.
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 at 888-274-5006 or use the form. Tell us the property address and the date on your notice.
- We review the house and give you a written offer and written terms before you commit.
- If you want to sell, we work with the title company on title, mortgage payoff, and closing details.
- 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.
St. Louis County property-tax help
The St. Louis County Collector of Revenue handles county property-tax bills and payment questions.
St. Louis County Collector of Revenue →Questions and contact
Estimate possible sale proceeds with the Oakville calculator →
Questions about foreclosure in Oakville, MO
Can I sell my Oakville house before a 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.
How much notice is required before a Missouri trustee sale?
For a home loan secured by a deed of trust with a power of sale, Missouri requires at least 20 days’ notice. The notice is published in a newspaper and mailed by certified or registered mail to the owner of record.
Is a property-tax sale the same as a mortgage foreclosure?
No. A mortgage foreclosure under a deed of trust with a power of sale can proceed through a trustee sale without a court case. A sale for unpaid property taxes is separate and has its own notice and date.
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 my house after a Missouri trustee sale?
If the lender or someone acting for it buys at the trustee sale, you can redeem within one year. To keep that right, give written notice of your intent at the sale or within 10 days before it, then file a court-approved bond within 20 days after the sale.
What our sellers say
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“I was four months behind on my mortgage and the notices were stacking up. I didn't even know I could sell and still come out with money. USA Home Buyers explained the whole thing, the offer was fair, and we closed before things got worse. Huge weight off my shoulders.”