Wichita Falls, TX › Foreclosure
Can I Sell My Wichita Falls House in Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, you can still sell a Texas house before a mortgage foreclosure sale if the sale closes in time. A lender usually forecloses without going to court through a trustee or substitute trustee. Some foreclosures go through court and follow different steps, so check the notices and case papers for your house.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in Wichita Falls, Wichita County, and Clay County. The city boundary overlaps both counties, so confirm the county for your property from its records or notices.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
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How we help
We discuss the house, notices, and payoff, then give you a written cash offer and written terms before you commit. You do not need to repair or clean the house to sell it to us. If you choose to move ahead, a title company reviews the title and payoff information and coordinates the closing.
A mortgage foreclosure sale can leave little time. We look at the date on your notice and work toward a closing before the scheduled sale.
Which sale is in your notice?
A mortgage foreclosure is usually a non-judicial sale: a trustee or substitute trustee handles it without a court case. A property-tax foreclosure is a separate process about delinquent property taxes. Its notices and deadlines are different; the mortgage dates below do not tell you the deadline in a tax case.
For a home used as your residence, the loan servicer must first 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. Then, at least 21 days before the sale, the notice of sale must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower.
The mortgage foreclosure 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. Some foreclosures go through court instead and follow different steps.
Read the Texas State Law Library guides on notices before a mortgage foreclosure sale and what happens at the sale.
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.
The lender's current payoff and any liens need to be reviewed as part of the title work. The amount and timing are specific to the property and loan.
What happens next?
- Tell us the property address and the date shown on your mortgage or tax-case notice.
- We discuss the property and give you a written cash offer and written terms before you decide whether to commit.
- If you choose to proceed, a title company reviews the title and payoff information and coordinates the closing.
- For a mortgage foreclosure, the sale needs to close before the scheduled trustee's 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 county offices
Wichita Falls city limits overlap Wichita County and Clay County, but the city name alone does not show which county a particular property is in. Check the property record or notice first. The Texas Office of Court Administration lists the Wichita County Clerk at 900 7th Street, Room 250, Wichita Falls. For a Clay County property, use the Clay County Clerk's office page. A mortgage sale notice is filed with the county clerk; check your notice and confirm current office details directly.
For a property-tax case, use the case papers and contact the court or office named there. The mortgage notice periods on this page do not apply to a tax case.
Estimate possible sale proceeds with the Wichita Falls calculator → Use the calculator as a planning estimate, not as a property-specific offer.
Questions about foreclosure in Wichita Falls, TX
Can I sell my Wichita Falls house before a trustee sale?
Often, yes, if your sale closes before the foreclosure sale. The payoff, title work, and closing steps need to fit the time available. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
What notice dates apply to a Texas mortgage foreclosure?
For a home used as your residence, the loan servicer must send a written default notice 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 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 foreclosure sale?
No. A mortgage trustee sale concerns the home loan; a property-tax foreclosure concerns delinquent property taxes. They have separate notices and deadlines. The mortgage notice dates on this page do not set the deadline in a tax case, so follow the tax-case papers and contact the office named there.
Which county office handles a Wichita Falls property?
Wichita Falls city limits overlap Wichita County and Clay County, so the city name alone does not identify the county for a specific property. Check the property record or notice and use the county shown there.
What if the lender 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 lender's current payoff still needs to be confirmed for your property.
What happens after I contact USA Home Buyers?
We discuss the house and the sale date, then give you a written offer and written terms before you commit. If you decide to proceed, a title company reviews title and payoff information and coordinates the closing.
Talk through your next step
Call 888-274-5006 or send the property details and the date on your notice. We buy houses as-is in Wichita Falls, Wichita County, and Clay County.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and foreclosure-sale date.