USA Home Buyers

San Antonio, TX › Foreclosure

Can I Sell My San Antonio 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: you may still be able to sell before a mortgage foreclosure sale if the payoff, title, and time to close allow it. Use the date on your current notice; some mortgage foreclosures follow different steps.

USA Home Buyers buys houses as-is in San Antonio and Bexar County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 or use the form to tell us the property address and sale date.

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 with a possible sale

We review the house as it is, the sale date, mortgage payoff, and title details. You get a written cash offer and written terms before you commit. If you choose to sell, the closing goes 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.

Which sale is involved?

A Texas mortgage foreclosure is usually handled without a court case; a trustee or substitute trustee runs the sale. Some mortgage foreclosures go through court and follow different steps. A tax foreclosure concerns unpaid property taxes and follows a separate case and notice path. Do not use the mortgage notice periods below to estimate a tax-sale deadline. If you received both kinds of notice, check each case and date separately.

Texas mortgage notices and sale

For a home used as your residence in a nonjudicial mortgage foreclosure, the loan servicer must first 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, notice of sale must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower.

The trustee 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. Read the notice for your property for its sale date and instructions.

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.

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.

What happens next

  1. Call or send the property address, the notice you received, and the sale date shown.
  2. We review the house as-is and give you written offer terms before you decide.
  3. If you want to proceed, the title company reviews title and payoff details and works through what is needed for closing.
  4. If the written terms, payoff, title, case status, and timing allow a sale, closing takes place through the title company.

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.

San Antonio and county offices

San Antonio’s city boundary touches Bexar, Comal, and Medina Counties. The city name alone does not identify a property’s county, tax account, or case. Check the address and the county named on your notice before using county-specific records or tax information. These offices are contact routes, not confirmation of a case or sale date.

Bexar County property

For a Bexar County property, the County Clerk’s Recording Division handles real property records and trustee-sale notices. Paul Elizondo Tower, 101 W. Nueva, Suite 103, San Antonio, TX 78205; phone 210-335-2581. Bexar County Clerk — Real Property/Land Records

For a Bexar County property-tax account, contact the Bexar County Tax Assessor-Collector at 233 N. Pecos La Trinidad, San Antonio, TX 78207; phone 210-335-2251. Bexar County tax-office locations · City of San Antonio property-tax information

Questions and contact

A calculator is an estimate, not a property-specific offer. Estimate possible sale proceeds with the San Antonio home-sale calculator → You can also read seller reviews and their source locations or return to the San Antonio home-selling page.

San Antonio foreclosure questions

Can I sell my San Antonio house before foreclosure?

Often, yes, if your sale closes before the foreclosure sale and the payoff, title, and required closing steps can be completed in time. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.

What notice periods apply to a Texas mortgage foreclosure?

For a home 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, notice must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower. Some foreclosures go through court and follow different steps.

Is a mortgage foreclosure the same as a tax sale?

No. A mortgage foreclosure concerns the lender’s loan; a tax foreclosure concerns unpaid property taxes and follows a separate case and notice path. Do not use the mortgage notice periods to estimate a tax-sale deadline. Check each notice and case separately with the official contact named in the paperwork.

What if my mortgage payoff is more than my San Antonio house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

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.

Which county office handles my San Antonio property?

The City of San Antonio boundary touches Bexar, Comal, and Medina Counties. The city name alone does not identify a property’s county or the right records or tax office. Use the property address and the county named on the notice or account.

Talk with us about the sale date

Call 888-274-5006 or share the property address and foreclosure date in the form.

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.

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