Got a foreclosure notice? You still have time to choose what happens next.
We're a Kansas City home-buying company. If selling makes sense, we can buy your house for cash and close before your sale date. If it doesn't, we'll tell you who can help for free.
- No fees, ever
- You're never obligated to sell
- Closes at a local title company
Notice of Trustee's Sale
For default in payment of debt secured by Deed of Trust executed by , the Successor Trustee will on [SALE DATE], at [TIME], at the North Front Door of the Jackson County Courthouse, 415 East 12th Street, Kansas City, Missouri, sell at public venue to the highest bidder for cash, the following real estate:
LOT , commonly known as , Kansas City, Missouri…
This is the wording Jackson County notices use. The line that matters most is the sale date. Find it on yours, then use it below.
How many days do you have?
Missouri foreclosures usually happen out of court, through a trustee, and they move fast. The notice only has to reach you about three weeks before the sale. Enter the date from your notice to see what's realistic.
Enter your sale date to see what options fit your timeline.
Showing an example date. Replace it with the date on your notice.
Every way out, including the ones that don't involve us
Selling to us is one option. Some of the others might suit you better, and you should know about all of them before you decide.
| Option | What it means | Time it usually needs | Good fit if… |
|---|---|---|---|
| Catch up (reinstate) | Pay the missed payments, fees and costs, and the loan continues as normal. | Any time before the sale, if you can raise the money | The hardship is over and you have, or can borrow, the back amount. |
| Work it out with your lender | Loan modification, forbearance or a repayment plan. You ask your lender directly. | Weeks to months. Start early. | You want to keep the house and your income can support a payment. A free HUD-approved counselor can help you apply. |
| List with a real estate agent | Sell on the open market, pay off the loan, keep what's left after commission. | Often 45–90 days from listing to closing | The house shows well, you have equity, and your sale date is far enough out. |
| Sell for cash, as-is What we do |
We buy the house in its current condition. The loan is paid off at closing, and you don't need repairs, showings or cleaning. | As little as 10–14 days when the title is clear | Time is short, the house needs work, or you just want it settled. |
| Let the sale happen | The house is auctioned at the courthouse and you'll need to move out afterward. | n/a | Rarely the best choice. Any equity you have is usually lost at auction, and a foreclosure stays on your credit report for years. |
Owe more than the house is worth? A short sale (your lender agrees to accept less) or a deed in lieu may be possible. Both need the lender's approval. Talk to a counselor or attorney about those.
What happens after you reach out
We talk
A short call about the house, your sale date and what you want. No pressure, and no obligation.
We see the house
One visit, at a time that suits you. Don't clean or fix anything.
You get a written offer
It's a cash offer with the numbers laid out, including roughly what you'd walk away with after the loan is paid.
Close on your date
You sign at a local title company, which pays off your lender. You pick the move-out day.
Local to the metro, and to your county
Foreclosure sales here are held at the county courthouse, and which one depends on where the house is. Kansas City alone spans four counties.
- Kansas CityJackson · Clay · Platte · Cass
- IndependenceJackson County
- RaytownJackson County
- GrandviewJackson County
- BeltonCass County
- GladstoneClay County
Where Jackson County sales happen
- Place
- North Front Door, Jackson County Courthouse
- Address
- 415 E. 12th Street, Kansas City, MO 64106
- Other counties
- Belton (Cass) and Gladstone (Clay) sales are held at their own county's courthouse. Your notice names the exact door and time.
Before you call
How do I know this isn't a scam?
Good question to ask, because foreclosure scams are real. Whoever you talk to, these rules protect you:
Never pay anyone upfront to "save" your house. Never sign your deed over to anyone outside a title company closing. Never send your mortgage payments to anyone but your lender.
We never ask you to do any of those things. We don't charge you anything, and every sale closes at a licensed title company that pays your lender directly.
Can you sell a house that's already in foreclosure?
Yes, up until the sale. Your lender gets paid in full at closing, and once that happens the foreclosure stops. What matters is closing before the sale date on your notice.
What if I owe more than the house is worth?
A regular sale then needs your lender to agree to take less than it's owed (a short sale). That's possible, but it takes time and the lender decides. Tell us the numbers, and we'll tell you honestly whether a sale to us can work.
Does the house need repairs or cleaning?
No. We buy as-is, so old roofs, foundation problems, full basements and code violations are all fine. Take what you want and leave the rest.
There are tenants or family living there. Is that a problem?
No. We buy occupied houses and can work out a timeline that's fair to everyone living there.
My sale is in a few days. Is it too late?
Not necessarily, but call today, not tomorrow. When the title is clear a cash sale can close very fast, and sometimes a lender will agree to postpone a sale when there's a signed contract. That decision is the lender's, not ours, so the sooner we start, the better.
Will selling hurt my credit?
Missed payments already show on your report. Selling before the sale means a foreclosure never gets added, and a completed foreclosure usually does more damage and stays on your report for years.
Is there free help if I want to keep the house?
Yes. HUD-approved housing counselors are free and can help you ask your lender for a modification. Call HUD at 1-800-569-4287 to find one near Kansas City. If keeping the house is realistic, we'd rather you do that.
Tell us about the house. We'll lay out your options.
We'll call you back and tell you honestly what makes sense, even if the answer isn't us.
Prefer to text? Text the same number your address and sale date.