San Luis Obispo, CA › Foreclosure
Can I Sell My San Luis Obispo 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 a California home before a nonjudicial mortgage foreclosure sale if the payoff, title work, and closing can be completed in time. A cash offer does not change the date in your notice, so confirm the current date with the trustee.
USA Home Buyers buys houses as-is in San Luis Obispo and San Luis Obispo County, California. Call 888-274-5006 or send the property address through the form.
Call 888-274-5006We give written cash offers in 24 hours.
Share the property address and trustee-sale date, if one is scheduled.
We'll give you a written cash offer within 24 hours.
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. We buy in San Luis Obispo and San Luis Obispo County. We give you a written offer and written terms before you commit, and a title company handles the closing.
If you choose to move ahead, we work with the title company to review the title, mortgage payoff, recorded liens, and closing details. When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate items; the title company reviews the figures for the property.
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. A tax-sale notice still has its own instructions and dates, separate from a mortgage trustee-sale notice.
Mortgage trustee sale or property-tax sale?
California home loans commonly use a deed of trust. Most mortgage foreclosures are nonjudicial: the trustee named in the deed of trust runs the process without a court lawsuit. A sale of tax-defaulted property is a different process with separate notices and dates. Keep the tax-sale notice separate from a mortgage trustee-sale notice, and follow the contact instructions on the notice you received.
For a mortgage foreclosure, the trustee records a notice of default. After a 90-day cure period, a notice of sale can follow; it must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. There is no right of redemption after a nonjudicial trustee's sale.
A trustee can postpone a sale in some circumstances. For a one-to-four-unit home, California law also allows limited 45-day postponements tied to a broker listing and a qualifying purchase agreement. Do not assume the scheduled date has changed; confirm it with the trustee or lender.
- California Courts: Your rights in a nonjudicial foreclosure
- California Civil Code section 2924c: reinstatement
- California Civil Code section 2924f: notice and postponements
- California Civil Code section 2924g: trustee-sale conduct and postponements
- California Department of Real Estate: Homeowner's Guide to Foreclosure
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 for a current payoff. A title company can review it with the sale figures and recorded liens; any lender decision depends on the loan and transaction.
What happens next
- Contact us with the property address and the trustee-sale date if one is scheduled.
- We review the house and give you a written cash offer and written terms before you commit.
- A title company reviews title, payoff information, recorded liens, and closing figures.
- If you accept and the required steps can be completed in time, the title company coordinates closing.
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 Luis Obispo County tax information
The County Auditor-Controller-Treasurer-Tax Collector provides secured property-tax and tax-defaulted-property auction information. These are county tax resources, not a mortgage trustee-sale schedule. For a mortgage sale, use the notice for the property and confirm the current date with the trustee named there.
- San Luis Obispo County Tax Collector — county contact and tax-defaulted-property auction information.
- San Luis Obispo County secured property taxes — county information for secured property-tax accounts.
Foreclosure questions and contact
Questions about foreclosure in San Luis Obispo
Can I sell my San Luis Obispo house before a trustee's sale?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, yes: a sale may be possible if the payoff, title work, and closing can be completed in time. Confirm the current date and payoff with the trustee or lender and a title company.
What are the California mortgage-foreclosure deadlines?
After the trustee records a notice of default, a 90-day cure period comes before a notice of sale can follow. The notice of sale must be posted, published, and recorded at least 20 days before the sale. You can usually reinstate by catching up until five business days before the sale, or pay off the loan up to the sale itself. Confirm the dates and figures for your property.
Is a property-tax sale the same as a mortgage trustee sale?
No. A mortgage foreclosure and a tax-defaulted-property sale are separate processes with separate notices and dates. Do not apply mortgage trustee-sale deadlines to a tax-sale notice; follow the instructions on the notice and contact the county office named there.
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. Ask the lender for a current payoff; a title company can review it with the property-specific closing figures. Any lender decision depends on the loan and transaction.
Do I need to repair or clean out the house before asking about an offer?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can tell us what you know about the house when you contact us.
Where can I check San Luis Obispo County property-tax information?
The San Luis Obispo County Auditor-Controller-Treasurer-Tax Collector provides secured property-tax and tax-defaulted-property auction information. Those county tax resources do not set the date for a mortgage trustee sale; confirm that date with the trustee named in your sale notice.
Estimate possible sale proceeds with the San Luis Obispo calculator → It is a planning estimate, not an offer for your property.
Read seller reviews and review information for San Luis Obispo →
Talk with us about your house
Call 888-274-5006 or send the property details through the form. We buy houses as-is in San Luis Obispo and San Luis Obispo County.
We give written cash offers in 24 hours.
Share the address and timing you are facing.
We'll give you a written cash offer within 24 hours.