Springfield, MO / Foreclosure
Can I sell my Springfield, MO house before foreclosure?
Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Yes. If your home loan is secured by a deed of trust with a power of sale, the lender can use a trustee's sale without a court case. You may still be able to sell before that sale if the loan can be paid off and title and closing work can be completed in time. Ask the title company or an attorney to confirm the current sale date and payoff.
USA Home Buyers buys houses as-is in Springfield and in Christian and Greene counties, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Share the address, county, sale date, and payoff information you have. Call 888-274-5006 or use the form to ask for a cash offer.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the Springfield property address and the sale date or payoff details you know.
How we work toward a closing
Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
We review the house as-is and put the offer and terms in writing before you commit. If you want to move forward, we work with a title company on the title search and current payoff information, then work toward a closing before the sale date when the facts and timing allow.
Mortgage foreclosure or tax sale?
This page explains a mortgage foreclosure under a deed of trust with a power of sale. That process can lead to a trustee's sale. A sale notice about unpaid property taxes is a different process with separate dates and requirements. Read the notice itself and contact the county office named there; do not use the mortgage trustee-sale notice period or redemption rules to work out a tax-sale deadline.
The Missouri notice rules below are for a deed-of-trust trustee sale only. They are not a tax-sale calendar.
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 and have the title company check recorded liens and other amounts tied to 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 mortgage payoff, liens, back taxes, and your share of current property taxes are separate amounts. The title company can identify what must be addressed for the transaction. When you sell to us, we pay the closing costs. Your mortgage payoff, liens, back taxes, and share of current property taxes remain separate.
What happens next
- Tell us the property address, county, sale date, and what the notice says.
- We review the house and give you a written offer and written terms before you commit.
- If you choose to proceed, the title company reviews title and payoff details and works with the parties involved on the closing steps.
- The closing date depends on the title, payoff, sale status, and the parties' timing.
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.
Missouri trustee-sale notice and redemption
For a deed of trust with a power of sale, Missouri law places the trustee sale in the county where the property is located. The sale requires at least 20 days' notice published in a newspaper and notice mailed by certified or registered mail to the owner of record. The actual notice and sale date for your property control.
If the lender or someone acting for it buys at the trustee sale, the owner can redeem within one year. To keep that right, the owner 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. Confirm how these steps apply to your situation with an attorney.
Local county offices
Springfield addresses can be in Christian County or Greene County. The property's county matters because Missouri holds a deed-of-trust sale in the county where the property is located. For county recorder information, use the official county site:
Questions about foreclosure in Springfield, MO
Can I sell my Springfield house before a Missouri trustee sale?
A sale may still be possible if the loan can be paid off before the trustee's sale and title and closing steps can be completed in time. Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Confirm the current date and payoff with the title company or an attorney.
Does signing an agreement automatically postpone the trustee sale?
Our agreement of sale will often get a trustee's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Is a tax sale the same as a mortgage foreclosure sale?
No. The notice and timing discussed here concern a deed-of-trust mortgage foreclosure and trustee sale. A property-tax sale is a separate process; follow the tax-sale notice and contact the county office named on it rather than applying a mortgage trustee-sale deadline.
What notice applies to a Missouri deed-of-trust trustee sale?
Missouri law places the sale in the county where the property is located and requires at least 20 days of notice through newspaper publication and notice mailed to the owner of record. Check the actual notice and confirm the current sale date for your property.
Can I get the house back after a Missouri trustee sale?
If the lender or someone acting for it buys at the trustee sale, Missouri law allows the owner to redeem within one year. To keep that right, the owner 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. Ask an attorney promptly whether this applies to your sale.
What if my mortgage payoff is more than the 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 and have the title and lien figures reviewed.
Use the Springfield home-sale net proceeds calculator to compare possible sale proceeds and costs.
Read Springfield customer reviews and visit the Springfield market page.
Ask about selling before a trustee sale
Share the Springfield address and any sale-date or payoff information you have. You can call us even if you are still confirming the notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us what you know about the property and the foreclosure timing.
Prefer to call? 888-274-5006