Facing foreclosure

Stop the foreclosure clock before the auction.

In Texas, foreclosure moves fast—often faster than sellers expect. If a sale date is on the calendar, selling your house before that date can help you avoid a foreclosure on your record and keep any equity that a forced auction would erase. We can frequently close in the time you have left.

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How Texas foreclosure timing works

Texas is a non-judicial foreclosure state, which means lenders don't have to go through court to foreclose. Once you're in default, the process can proceed on a relatively short timeline. Sales happen on the first Tuesday of the month, and by the time you receive formal notice, the window to act may be measured in weeks, not months. That's why moving early matters so much.

The sooner you reach out, the more options you have. Even if your auction is only a couple of weeks away, it's worth a conversation—we've closed inside tight windows before. This isn't legal advice, and you may also want to speak with a HUD-approved housing counselor or attorney about your specific case.

Why a direct sale can beat an auction

  • You keep your equity. At auction, a house often sells for far less than it's worth, and any surplus after the loan can be tied up. A negotiated sale lets you capture more of the value.
  • You avoid the foreclosure record. A completed foreclosure follows you for years and hits your credit hard. A sale that pays off the loan sidesteps that.
  • You control the exit. Instead of a sheriff's timeline, you choose the closing date and have time to plan your next move.

What we'll need from you

To move quickly we'll want the property address, a rough sense of what's owed on the mortgage, and any notices you've received from the lender or trustee. We'll evaluate the house, confirm the numbers work to pay off what's owed, and present an offer—usually within a day or two.

If you owe more than the house is worth

Sometimes the loan balance is higher than the home's value. In those cases a short sale (where the lender agrees to accept less than the full balance) may be possible. We can talk you through whether that path makes sense and what it involves.

Common questions

Good to know

How close to the auction date can you still buy my house?

It depends on the specifics, but we've closed within a couple of weeks of a scheduled sale. The earlier you contact us, the more room there is to work. Don't assume it's too late—ask.

Will selling stop the foreclosure?

A completed sale that pays off the loan resolves the default, which stops the foreclosure. We coordinate with the title company and, where needed, your lender to make sure payoff happens correctly at closing.

Do I have to pay anything up front?

No. There's no cost to get an offer, and we cover standard closing costs. You should never pay an upfront fee to someone promising to stop a foreclosure—that's a common scam.

What if I have equity in the house?

Good—that equity is exactly what an auction can wipe out. A negotiated sale is designed to get that value to you instead of losing it in a forced sale.

Let's talk about your options.

No pressure and no cost to see what a direct sale looks like for your situation.

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Or call / text (972) 652-0347. No obligation, ever.