Let's start with the most important sentence on this page: we cannot stop your foreclosure, and neither can any company that charges you a fee to "save your home." What we can do is lay out how the Texas process actually works, every option you still have — including the free ones that don't involve us — and, if selling turns out to be your best move, show you both numbers honestly.
Texas foreclosure doesn't go through a court. It runs on notices and one fixed date, under Texas Property Code §51.002:
Your loan servicer tells you you're in default and gives you at least 20 days to cure — to catch up or work something out.
If the default isn't cured, the trustee files a Notice of Sale with your county clerk, posts it at the courthouse, and mails it to you — at least 21 days before the sale. This filing is public, and it's the document that sets your deadline.
Every Texas foreclosure sale happens on the first Tuesday of the month, between 10 a.m. and 4 p.m., at the county courthouse. From the first cure notice to that Tuesday, the minimum statutory runway is about 41 days; many files take longer.
That first Tuesday is your countdown. Find the sale date on your Notice of Sale — everything below is about what you can still do before it. This page is general information about the Texas process, not legal advice; for advice about your specific situation, talk to a Texas real estate attorney.
Servicers are required to evaluate borrowers for loss-mitigation options: forbearance (a temporary pause or reduction), a repayment plan, or a loan modification. It costs nothing to ask, and asking early — before the Notice of Sale — gives you the most room. If keeping your home is possible, it usually starts here.
HUD-approved counselors advise homeowners on avoiding foreclosure at no cost, and they work for you — not for a buyer, not for a lender. Reach one at 800-569-4287. If anyone on this page earns your first phone call, it's them.
If you believe the foreclosure is being handled wrongly, if there's a title or inheritance problem tangled up in it, or if you're considering bankruptcy and what it would mean for the house — that's a lawyer's territory, not ours and not the internet's. We don't give legal advice.
If your home is worth clearly more than you owe and there's time before the sale date, a traditional listing can net you the most money. The trade-off is time and condition: showings, repairs, and a buyer's financing all have to land before that Tuesday.
A cash buyer can purchase as-is, without bank financing, on a timeline built around your sale date. The honest trade-off: cash buyers typically pay below full market value in exchange for that speed and certainty. We'll show you both numbers — the estimated market value and the likely cash price — so you can judge the trade yourself, and if keeping your home or listing it looks better, we'll tell you the numbers say so. You pay us nothing, and there's no obligation.
Be very careful with anyone who charges you upfront fees to negotiate with your lender or promises they can stop or delay your sale. Federal rules restrict foreclosure-relief services precisely because of that pitch, and servicers and HUD counselors will talk to you for free. Urgency is real in foreclosure — but anyone manufacturing extra urgency to sell you something is telling you who they are.
Serving Houston, Dallas–Fort Worth, San Antonio, and Austin.