Pre-foreclosure
Sell your house before foreclosure in Texas
If you are behind on your mortgage, selling before the auction can protect your equity and your credit. Here is how Texas foreclosure works and where a sale fits.
- No commissions, no fees, no repairs
- Written cash offer, no obligation
- You pick the closing date
Get your no-obligation cash offer
Takes about 60 seconds. No cost, no pressure.
- Cash or flexible termsNo bank approval, no financing contingency
- Title company closingLicensed Texas title handles it
- $0 fees or commissionsThe offer is what you receive
- Written, no-obligation offerDecline anytime, no cost
- Texas-based buyerTexas landowners and families
The Texas foreclosure timeline
| Step | What happens |
|---|---|
| Missed payments | Lender contacts you; late fees accrue |
| Notice of default | Gives you at least 20 days to cure the default |
| Notice of sale | Posted, filed and mailed at least 21 days before the sale date |
| Foreclosure sale | Held at the county courthouse on the first Tuesday of the month |
Options if you are behind on payments
- Catch up if you can, with a repayment plan or reinstatement.
- Loan modification or forbearance from your servicer.
- Sell the house, to us for cash or by listing it, and pay off the loan.
- Short sale, if you owe more than it is worth, with lender approval.
- Bankruptcy, which a Texas attorney can evaluate.
Why sell to us before a foreclosure
- Close in 7 to 30 days
- Protect equity that a foreclosure auction often wastes
- Avoid a foreclosure on your credit report
- No repairs, no showings, no commission
See our guide to selling as-is and selling your house fast.
We are a property buyer, not a law firm or housing counselor. Foreclosure rules are time-sensitive; consult a Texas attorney or a HUD-approved housing counselor.
Cash is simple. Some land needs more than that.
We buy for cash when that works. When a deal needs it, we get creative: owner-financed purchases, notes, partnerships and development.
Cash offer
A written offer within 24 hours. Closing typically takes 7 to 30 days, or on the date you choose. No commissions or fees.
Owner financing and notes
Want a down payment and payments over time? We can buy your land on owner-financed terms, and we can talk about buying an owner-financed note you hold.
Partnerships and entitlement
Land with development potential? We partner with landowners, buy entitled land and take properties through entitlement.
There is no one-size-fits-all land deal. Each one can have its own lenders, financials and offers, so contact us for details.
Tell us how you want to be paid How owner financing works → Investor? Register for deals →
Common questions
How does foreclosure work in Texas?
Texas is a non-judicial foreclosure state. After a default, the lender must send a notice of default allowing at least 20 days to cure, then post a notice of sale at least 21 days before the auction. Sales happen at the county courthouse on the first Tuesday of each month.
Can I sell my house if I am behind on payments?
Yes, up until the foreclosure sale. Selling lets you pay the loan from the proceeds and keep any equity, and avoids a foreclosure on your credit record.
How fast can you close before the sale date?
We can often close in 7 to 30 days. The sooner you call, the more options you have.
What if I owe more than the house is worth?
You may be able to negotiate a short sale with your lender. We will tell you honestly what is feasible. A HUD-approved housing counselor and a Texas attorney can also help.
Will I get any money?
If there is equity after the loan, back payments, liens and costs, yes: the difference is paid to you at closing.
Is there anything else I should try first?
Contact your lender about a loan modification, forbearance or repayment plan, and consider free HUD-approved housing counseling. If those do not work or take too long, a sale is a way to protect your equity.
Ready to see what your property is worth to us?
Tell us about it in 60 seconds. You will get a straight answer, with no obligation and no pressure.