Missouri Foreclosure Timeline
Local cash home buyers since 2016. 1,000+ houses bought in St. Louis MO & IL. We buy 50+ homes a year. 4.7 on Google from 65+ reviews. Read Google reviews.
As-is cash offer. No repairs. We typically cover closing costs. About 2 weeks. You pick the date.
How it works: 3 steps
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Call or send the address
A few questions, then a preliminary cash range on the phone. No obligation.
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30-minute walkthrough
No cleaning. David or Mike walks the house and sends a written offer. We can show proof of funds before you sign.
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You pick the closing date
Typically about 2 weeks, or on your timeline. Title company closing. The title company releases payment after closing.
Cash offer vs listing vs FSBO
Categories, not a quote. Agent commission is negotiable. See cash offer vs listing for the full write-up.
| Factor | House Sold Easy cash | Listing with an agent | For sale by owner |
|---|---|---|---|
| Time to close | About 2 weeks, you pick the date | Often 60 to 120+ days including prep | You find the buyer |
| Repairs | None. We buy as-is | Often needed to list and appraise | Buyers still inspect |
| Showings | One walkthrough | Many showings | You host them |
| Commission | None | Negotiable; often mid-single digits | None |
| Closing costs | We typically cover ours | Seller often pays a share | Seller usually still pays |
| Financing risk | Cash | Buyer loan can fail | You carry that risk |
Missouri residential foreclosures are usually non-judicial sales under a deed of trust. The clock that matters for most sellers is the notice of sale, not a courtroom. This page cites RSMo chapter 443. It is not legal advice. Hire a Missouri attorney or a HUD-approved counselor for your file.
House Sold Easy can buy as-is for cash when timing and equity work. Typical close about two weeks, or on the seller's timeline. Call 636-525-1566 as soon as you have a date.
Key takeaways from the statute
- A deed of trust with a power of sale lets the trustee sell after default. See chapter 443.
- The published notice of sale is RSMo 443.320.
- The mailed individual notice must go out not less than twenty days before the scheduled sale. RSMo 443.325. It goes to the record owner, the mortgagor, and anyone who recorded a request for notice.
- Actual receipt of the envelope is not required if the trustee can show the certified or registered mailing. § 443.325.3(4).
- Loan documents can add notices before the trustee publishes. Loan documents can add notices before the trustee publishes. Those are contract, not this chapter.
A dated sequence in words
Default. Payments stop, or another default named in the deed of trust. The servicer’s letter is not the sale.
Acceleration / notice under the loan. Many loans require a notice before foreclosure starts. Read your deed of trust. We do not quote a number of days that the statute does not set.
Publication. The trustee publishes a notice of sale that contains the information § 443.320 requires. Use the revisor page, not a blog, for the current text.
Twenty-day mailed notice. Not less than twenty days before the scheduled sale, the trustee mails certified or registered notice to the owner of record (as of forty days before the sale), the mortgagor, and requesters whose request was recorded at least forty days prior. § 443.325.
Trustee’s sale. If no one stops it, the trustee sells on the published date.
A cash sale can close before that sale if title is ready and the numbers work. Sell a house in foreclosure. Behind on the mortgage. How to avoid foreclosure.
What this page does not claim
County trustees and newspapers publish their own calendars. Louis County sale date.” County trustees and newspapers publish their own calendars. Read the notice in your hand.
Common questions
Can I sell after the 20-day notice?
Sometimes, if enough days remain for title work. Call with the sale date.
Is this legal advice?
No. RSMo chapter 443 is the source.