Can I Sell My San Angelo House Before Foreclosure?

How we can help before the sale

Tell us the property address, what you know about the lender payoff, and the date on the notice. We review the house as-is and can give you a written cash offer to compare. You don't fix anything — not one thing.

You receive written offer and written terms before you commit; closing is through a title company. When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes are separate from those costs.

We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. The title company reviews the amounts and documents needed for the sale.

Which sale is involved: mortgage foreclosure or tax sale?

Most Texas mortgage foreclosures are non-judicial: the lender usually proceeds through a trustee without first going to court. For a property used as your residence, the loan servicer must send 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 sale notice 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 begin 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's guidance on notices before the sale and its guidance on the sale, then confirm the date and status from your own notice and the trustee or servicer.

A property-tax sale is separate from a lender's mortgage foreclosure. The mortgage notice periods above do not set a tax-sale deadline. Follow the current tax notice and ask the office or court named there about the current status and date; do not use mortgage deadlines for a tax matter.

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 loan servicer for a current written payoff. The title company can review the payoff, other liens, and sale terms together so you can see what needs to be addressed before closing.

What happens next

1. Tell us the property address, condition, and scheduled sale date by phone or through the form.
2. We review the house as-is and give you a written cash offer within 24 hours.
3. You review the written offer and terms before deciding whether to commit.
4. If you choose to move ahead, the title company checks title and payoff details and works through the closing steps needed before the scheduled sale.

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 records and property-tax contacts

For local real-estate recording questions, the Tom Green County Clerk's Real Estate Section is at 124 W. Beauregard, San Angelo, TX 76903; call 325-659-6552. The county's Real Estate Section page describes its recording and public-document route. For property-tax account questions, use the county's Tax Assessor-Collector page. For an actual sale date, follow the specific notice and confirm with the trustee, servicer, or office named on the notice.

Read more about the local market on the San Angelo page, or open the San Angelo seller guide for other sale options.

Questions about selling before foreclosure

Use the San Angelo home-sale calculator to estimate possible sale proceeds. It is a planning estimate, not a property-specific offer or payoff figure.