Behind on Mortgage Payments? Sell a House to Avoid Foreclosure
Falling behind on payments doesn’t mean you’re out of options. At Texas Cash House Buyer, we purchase houses in any condition, with no repairs, no commissions, and no hidden fees, so you can sell fast and get ahead of the foreclosure clock.
The Sooner You Act, the More Options You Have
When you’re facing foreclosure in Texas, you may feel the worst has happened. But at Texas Cash House Buyer, we’re here to tell you that you still have options.
How quickly you respond to the foreclosure process determines what happens next. Homeowners who reach out early usually have more paths open to them.
Whether you’re a few payments behind or just days from auction, we can help.
At Texas Cash House Buyers, we take the stress out of the traditional selling process and work to buy your house as-is, on your timeline. Some homeowners behind on mortgage payments need to sell fast, and that’s exactly what we help you do.
Don’t wait until your choices are limited. Reach out today to learn what’s possible for you.
How to Stop Foreclosure in Texas
If you’re wondering how to stop foreclosure in Texas, you generally have a few different paths to consider:
- Reinstating the loan by paying what’s past due
- Setting up a repayment plan with your loan servicer
- Requesting a loan modification
- Declaring personal bankruptcy (which can pause the foreclosure process temporarily)
Each of these options can prevent looming foreclosure, but they take time, paperwork, and approval you may not get based on your financial position.
Selling before your sale date is often the fastest way to prevent foreclosure and avoid it showing up on your record. Selling can also help you walk away with your equity intact. No applications, no waiting on a lender’s decision.
Not sure which option fits? Call us today, and we’ll walk through what’s available to you. If avoiding foreclosure is just one of several reasons to sell your house, we can help with those, too.
How Much Time You Have to Sell Before the Auction
Knowing where you are in the Texas foreclosure process and what deadlines are looming can help you find the solution that works best for you. For those who need to sell a house in foreclosure, Texas has a few key deadlines worth understanding.
Here’s a quick overview of what the Texas foreclosure timeline looks like:
Missed payments start the clock
Once you fall behind, your Texas loan is officially in default.
Notice of default
Most Texas lenders send this default notice once you’re around 120 days behind on payments.
20-day cure period
This notice gives you at least 20 days to pay what’s past due and stop the process before it moves further.
Notice of Sale
If the default isn’t cured, your lender can send a notice of sale. Under Texas Property Code § 51.002, that notice must arrive at least 21 days before the auction date.
Foreclosure auction
In Texas, foreclosure auctions happen on the first Tuesday of the month at the county courthouse.
Once a sale date is set, your options start narrowing fast. Texas Cash House Buyer can close on a date you choose, giving you a real shot at selling before the auction ever happens.
With us, you get to choose your closing date. Some clients choose 3 months out, others want to close as soon as the title is clear (which typically happens within a week). We’ve even had clients in preforeclosure close in as little as 48 hours.
Sell a House Before Foreclosure Auction, On Your Terms
Once you decide selling is the right move, we keep things simple. Here’s how our cash home buying process works:
1: We Talk On The Phone
2: We Give You a Repair Guesstimate
3: You Get an Offer, Same Call
No waiting days for a call back. Especially when you don’t have time to waste. Before you hang up, we'll tell you what we can pay for your house, in cash, as-is. No commissions. No hidden fees. No pressure to make a decision on the spot.
Note: This offer reflects the condition you described. It can change if the in-person walkthrough turns up something different.
4: You Sign When You’re Ready
5: We Walk Through the House
During the title period, we do a quick, respectful walkthrough. No open house, no staging, no strangers wandering your rooms. We’re just confirming what you already told us.
Note: If the house matches what we discussed, nothing changes. If it doesn’t, we’ll walk you through exactly what’s different before anything moves forward.
6: We Talk If Anything’s Different
If the walkthrough turns up something that wasn’t part of the original conversation — foundation issues, hidden damage, more repair work than expected — we’ll talk it through with you directly. If the number needs to be adjusted accordingly, we’ll explain exactly why before anything moves forw
Ask About a Creative Financing Option
If a traditional cash sale isn’t the right fit for your situation, ask us about our creative financing options.
Creative financing applies when the seller has zero equity or 100 percent equity. It’s not something every homebuyer offers, and we evaluate case by case for a good fit.
Give us a call to find out if it makes sense for your situation.
Next Steps with Texas Cash House Buyer
There are many reasons why foreclosure may be looming. At Texas Cash House Buyer, our goal is to help you get out of a difficult situation and move forward with confidence.
Our local, Fort Worth-based team has been buying houses since 2006. We handle the paperwork and title issues so you don’t have to. We can close in as little as 7 days after our initial call.
You don’t have to figure this out alone, and you don’t have to wait until your options run out. Reach out today and let’s talk about what’s possible for you.
Sell House to Avoid Foreclosure FAQs
What should I do if I get a foreclosure notice in Texas?
Getting a foreclosure notice is stressful, but it doesn’t mean the outcome is decided. It tells you exactly where you stand and how much time you have to act.
If it is a notice of default, you may be able to catch up on your payments or work with your lender to create a repayment plan.
If it is a notice of sale, Texas Cash House Buyer can help you sell before the auction.
How do I stop a foreclosure in Texas?
- Reinstating the loan
- Repayment plan
- Loan modification
- Filing for Bankruptcy
Can I sell my house if I’m behind on payments?
Yes. Being behind on your mortgage payments doesn’t stop you from selling your house to avoid foreclosure. Selling before those missed payments turn into a completed foreclosure is one of the fastest ways to protect whatever equity you have left.
At Texas Cash House Buyer, we buy houses in any condition, so you don’t need to catch up on payments or make repairs first.
Do I need a real estate agent to sell my house before foreclosure?
No. A traditional real estate agent listing takes time you may not have. Traditionally listing a house with a real estate agent may require you to make repairs, host showings, and pay commissions.
Texas Cash House Buyer purchases your home directly from you, as-is, so you can skip that process entirely and close on a timeline that works with your foreclosure deadline.
How long does foreclosure take in Texas?
Foreclosure in Texas moves faster than in other states. After 120 days of missed payments, your mortgage company typically sends a notice of default, giving you about 20 days to catch up.
If you don’t, they can send a notice of sale, which by law must give you at least 21 days’ notice before your home is auctioned. In Texas, foreclosure auctions happen on the first Tuesday of every month, so once that notice goes out, the clock moves quickly.
Can I sell my house after receiving a notice of sale?
Yes, but the timing is tight. Once you’ve received a notice of sale, the auction date is already set, and Texas law only requires 21 days’ notice. The sooner you reach out to our team, the more options you’ll have to close before that date arrives.
What happens if my house sells at a foreclosure auction?
A foreclosure auction is the final step. Once your house sells there, ownership is gone. Selling to a cash buyer before that date lets you walk away with any equity that’s left and avoid a completed foreclosure sale on your credit.
Can mortgage relief or a loan modification help me avoid foreclosure?
For some homeowners, yes. A repayment plan or loan modification can work if you’re able to catch up over time, but both require paperwork and approval from your loan servicer, and they don’t work for everyone.
If you’re not sure if those options will move fast enough, selling before the sale date is a more certain way to avoid foreclosure.