Waco, TX › Foreclosure
Can I sell my Waco 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, if your sale closes before the foreclosure sale and the payoff, title, and closing steps can be completed in time. Keep the date on your notice in view.
USA Home Buyers buys houses in Waco, Texas, and McLennan 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 ask for a written cash offer. Share the property address and notice date.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date on your notice.
How we help
We review the house as-is, the sale date, the mortgage payoff, and title details. You get a written offer and written terms before you commit. If you choose to sell, a title company handles the closing.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate and reviewed for closing.
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?
Texas mortgage foreclosures are 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 property-tax foreclosure is a separate process, so do not use the mortgage notice periods below to estimate a tax-sale deadline.
Texas mortgage notices and sale
For a property used as your residence, 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. Then, 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.
A nonjudicial mortgage 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 notices for your property; they identify the sale and its date.
- Texas State Law Library: Foreclosure Before the Sale explains the default and sale notices.
- Texas State Law Library: The Foreclosure Sale explains the trustee sale and auction timing.
If your notice concerns unpaid property taxes, follow that tax-case notice and its dates instead. The mortgage notice periods and auction schedule above do not set a tax-sale deadline.
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
- Call or send the property address and the date and type of sale on your notice.
- We review the house as-is, the payoff information, and title details.
- You receive a written offer and written terms before you decide whether to commit.
- If you choose to proceed, the title company works through title and payoff details and coordinates the closing. A mortgage foreclosure sale must be closed before the scheduled trustee's sale for the sale to happen first.
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.
McLennan County tax-office information
Waco city is in McLennan County, but use the property records and the notice to confirm the county and case for a specific address. For a McLennan County property-tax account question, start with the McLennan County Tax Assessor-Collector. For a tax-sale date or case, follow the contact instructions on the notice; this county office link is a general tax-office route, not a parcel-specific deadline.
Questions and contact
Compare possible sale proceeds with a listing using the Waco home-sale calculator → . You can also read Waco seller reviews, browse the Waco seller FAQs, or return to the Waco market page.
Call 888-274-5006 to talk through the notice and timing.
Foreclosure questions for Waco and McLennan County
Can I sell my Waco house before a Texas foreclosure sale?
Often, yes, if your sale closes before the foreclosure sale and the payoff, title, and closing steps can be completed in time. The notice date matters. 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 property used as your residence, the loan servicer must send a 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 property-tax sale the same as a mortgage trustee sale?
No. A property-tax foreclosure is a separate process. The mortgage notice periods and auction details on this page are not tax-sale deadlines. Follow the tax-case papers and the contact instructions on your notice.
What if the 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. The current payoff and title details still need to be reviewed for your property.
Do I need to pay back taxes or liens before closing?
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. Your mortgage balance and share of current property taxes are separate amounts reviewed for closing.
What happens after I contact USA Home Buyers?
We review the property and the sale date, then give you a written offer and written terms before you commit. If you choose to proceed, a title company reviews title and payoff details and coordinates the closing.
Talk with us about your Waco house
Call 888-274-5006 or send the property details and the date on your notice.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date on your notice.