Local cash home buyers serving all of Bexar County
Foreclosure help for Texas homeowners
You can sell your house for cash and close before the sale date, even if the auction is three weeks away. We pay off your lender at closing, you keep whatever equity is left, and the foreclosure never hits your credit report. Serving San Antonio, Bexar County and every county in Texas.
Free, no obligation, and we call back within 24 hours.
100% free · No obligation · We never share your info
Texas runs one of the fastest foreclosure processes in the country. Most home loans here use a deed of trust with a power-of-sale clause, which lets the lender foreclose without a judge. From the first missed payment to losing the house can take as little as four months.
The timeline below follows the notice periods set by Texas Property Code §51.002. Your lender may move slower, but they can’t legally move faster.
First missed payment
Your loan is delinquent the day after the due date. Late fees start, and the servicer begins calling. Nothing legal has happened yet, and this is the cheapest point to fix things.
Default
Most servicers wait until you’re 90 days past due before they refer the file to a foreclosure attorney. Federal rules generally stop them from starting foreclosure before 120 days of delinquency.
Notice of default
For a homestead, Texas law gives you at least 20 days to cure. Pay the full past-due amount plus fees and the loan goes back to normal. Miss the deadline and the lender can accelerate, meaning the entire balance is due at once.
Notice of sale
The trustee mails you a notice of sale, posts it at the county courthouse, and files it with the county clerk at least 21 days before the auction. In Bexar County, that posting appears at the Paul Elizondo Tower.
Auction day
Texas foreclosure auctions happen on the first Tuesday of the month, between 10 a.m. and 4 p.m., at the county courthouse or a designated site. The highest bidder, often the lender itself, takes the deed. There’s no right of redemption after a Texas mortgage foreclosure.
Eviction and deficiency
You become a tenant at sufferance and can be removed through a forcible detainer case in a matter of weeks. If the house sold for less than you owed, the lender has two years to pursue a deficiency judgment against you for the gap.
Seven days, if the title is clean and you call us before the notice of sale is posted. We’ve closed in as few as five when the auction was days away, but that’s the exception, not the plan.
Here’s what has to happen between your call and the wire hitting your account:
Call (210) XXX-XXXX or use the form. We need the address, the lender’s name and the auction date from your notice of sale. That’s it.
A 20-minute walk-through, usually within 48 hours. You get a written cash offer the same day, based on comparable sales in your ZIP code and the actual repair cost.
Once you accept, our title company requests a payoff statement from your lender. This is the step that decides the closing date, and the sooner we start it the better.
You sign at a Texas title company. The title company wires the payoff to your lender, records the deed, and sends you the remaining equity. The foreclosure is cancelled because the debt no longer exists.
Tell us where the property is and we’ll tell you the same day whether we can close in time.
100% free · No obligation · We never share your info
A cash sale isn’t the only way out, and it isn’t always the best one. If you can afford to catch up or keep the house, do that first. The table shows every option Texas homeowners have, what it takes, and how long it usually runs.
If you have equity in the house, a cash sale usually beats every option below reinstatement. A short sale, deed in lieu or foreclosure all leave you with nothing, and two of them still damage your credit.
A foreclosure exists to collect a debt. When the debt is paid, the foreclosure has nothing left to do. That’s the whole mechanism, and it’s why a cash closing works when a listing doesn’t.
Your lender issues a payoff statement showing every dollar owed through the closing date: principal, interest, late fees, attorney fees and trustee fees. The title company pays that number directly from our purchase funds. You never touch the money and never have to negotiate with the servicer.
Once the lender receives payment in full, the foreclosure attorney withdraws the notice of sale. If the auction date is close, the title company will request a written rescission before closing so there’s no chance of a sale happening by mistake.
Whatever’s left after the payoff and any other liens is yours, wired the same day or the next business day. On a house worth $280,000 with a $190,000 payoff, that’s real money that a foreclosure would have taken.
A completed foreclosure stays on your credit for seven years and can drop your score by 100 points or more. A sale is just a sale. The loan reports as paid in full, and the late payments that already posted start aging off.
Yes, as long as the auction hasn’t happened. The notice of sale gives you at least 21 days, and we can close in 7. Call the day you receive it and there’s time. Call the Monday before the first Tuesday and there probably isn’t.
We buy pre-foreclosure houses in every condition and situation, including:
One limit: if you owe more than the house is worth, a cash sale won’t cover the payoff. In that case we’ll tell you on the first call and point you toward a short sale or a HUD-approved housing counselor instead of wasting your time.
We’re based in San Antonio and buy across Bexar County and the surrounding Hill Country cities. We also close on pre-foreclosure homes in the other major Texas metros through our local partners, on the same terms and the same timeline.
Don’t see your city? Texas foreclosure law is the same in all 254 counties. Call (210) XXX-XXXX and we’ll tell you if we can close in time.
The auction date won’t move. Tell us the address and the sale date, and you’ll have a written cash offer within 24 hours and a closing before the first Tuesday.
Fastest closing
Fees and commissions
Of the payoff handled by us
Common questions
The auction itself. Until the trustee strikes the gavel on the first Tuesday, the house is still yours to sell and the loan is still yours to pay off. Practically, we need about 7 days to close, so the notice of sale is your real deadline for calling.
Yes. Texas lenders must accept full payment of the debt at any point before the sale. The payoff will include the foreclosure attorney’s fees and trustee costs added to that point, and the title company pays all of it from our purchase funds.
If the house is worth more than you owe, yes. The title company pays your lender, pays any other liens, and wires you the rest. We show you the estimated net on the offer so there are no surprises at closing.
No. A sale closes the loan as paid in full. The late payments you’ve already missed stay on your report, but they age off over time. A completed foreclosure is a separate negative item that stays for seven years and blocks most new mortgages for three to seven years.
Yes, as long as the sale price covers both. Every lien is paid at closing in order of priority. If the total owed is more than the house is worth, we’ll tell you up front and explain the short-sale route instead.
We buy those too. Tax and HOA liens are paid from the proceeds at closing the same way a mortgage is. Tax foreclosures in Texas do carry a redemption period after the sale, but selling before the sale is still far cheaper than redeeming after it.
Usually. If you’ve been through probate or qualify for an affidavit of heirship, you can convey the property and we can pay off the loan. We work with your attorney and the title company on the fastest legal path.
Yes. Vacant pre-foreclosure homes are some of the most common properties we buy. We can handle the walk-through with a lockbox or a neighbor and close remotely with a mobile notary.
A short sale only makes sense when you owe more than the house is worth, because it requires the lender to accept less than the payoff. If you have any equity at all, a cash sale is faster, doesn’t need lender approval, and you keep the difference.
No. The visit and the offer are free, and you can turn it down. If a loan modification or reinstatement is a better fit for you, we’ll say so.