If you’re reading this, you still have options.
Getting a foreclosure notice is frightening, but it is not the end. Every week we sit down with homeowners in your exact position and find a way forward. Tell us what’s happening and we’ll show you what’s possible — free, confidential, and with no obligation.
- Since 2004
- Houston-Based
- No Cost to You
- Se Habla Español
- Attorney-Handled Closings
Here’s what it means.
- Your property appears on the public pre-foreclosure list, so we reached out to make you an offer.
- The amount printed on the check is a starting point calculated from public records — not the final offer.
- It must be validated with us before the void date printed on the front.
- Your actual offer depends on your loan balance and the condition of the home.
How foreclosure works in Texas.
Texas is one of the fastest foreclosure states in the country. Here’s the typical path for a home loan.
- From the notice of sale, you may have only three weeks.
- Every day matters — but you can still sell or reinstate right up until the sale.
This is general information, not legal advice. Your loan documents control your specific timeline.
Three paths — and we’ll be straight with you about all three.
Option A — Sell before the sale date
- Written offer in 1–3 business days after we get your loan documents
- We pay all closing costs and buy the house as-is
- Our attorneys handle the file and coordinate with your lender
- Close in as little as 24 hours — well before your auction date
- Need time to move? Stay on with a lease-back or a move-out schedule that works for you
Option B — Explore ways to stay
- Reinstatement (catching up the missed payments)
- Refinancing or loan restructuring through our lending team, if your loan and equity qualify
- Lease-back options that let you remain in the home
- We’ll be honest if the numbers don’t work — we don’t sell false hope
Option C — Do nothing
- The house sells at auction on the first Tuesday of the month
- Any equity you’ve built goes with it
- A completed foreclosure stays on your credit report for seven years
Even if you’re not sure you want to work with us, talk to someone — us, an attorney, or a HUD-approved housing counselor — before your sale date.
What a foreclosure does to your credit.
According to Experian, one of the three major credit bureaus:
- A foreclosure stays on your credit report for seven years from the first missed payment that led to it.
- It does the most damage to your scores in the first months and years after it appears.
- Lenders treat it as one of the most serious negative marks — second only to bankruptcy — and some won’t approve a new mortgage while it’s on your report.
- An accurate foreclosure can’t be removed early.
It makes everything faster.
- Your most recent mortgage statement
- The reinstatement letter from your lender (how much to catch up)
- The payoff amount (call your lender’s number on the statement and ask for it)
- Your notice of sale, if you’ve received one
Don’t have them yet? That’s fine — fill out the form anyway and we’ll help you get them.
Takes about 2 minutes.
Everything you share is confidential, and we’ll get back to you quickly. Rather reach out another way? Contact us.