Behind on payments?
Let’s talk.
We help Houston homeowners compare the practical paths available for their home and timing. The conversation is free, private, and carries no obligation.
If your auction date is very close, call directly. A cash sale may or may not close before the sale date. For deadlines or your legal rights, talk to a Texas attorney or a free HUD-approved housing counselor.
Texas foreclosure fact check
Build a useful case file, one clear question at a time.
Owner firstStart with the homeowner goal and the real deadline.
Evidence before answersMissing documents become a title work queue.
No pressureOrganize the facts without making a legal promise.
Sale within days or already completed? Call a qualified Texas foreclosure attorney now. This review cannot stop a sale or calculate a legal deadline.
- 1Clock
- 2Property
- 3Ownership
- 4Title
- 5Goal
- 6Review
Start with urgency
Where is the foreclosure process right now?
Choose the closest answer. You will confirm the source document later.
Official reference desk
The law behind the cautious routing
A qualified Texas attorney must determine whether a law applies, calculate any deadline, and confirm the required procedure and amount.
Selling is
one possible path.
Start with the notice, the date, and what you want to happen. You do not have to decide to sell before talking.
- If you want to keep the home
- Ask your lender about reinstatement or other available options. A Texas attorney or HUD-approved housing counselor can help with deadlines and legal rights.
- If you want to compare a sale
- Review the available cash, investor, and listing paths against the payoff, closing requirements, and sale date.
- If you are not sure yet
- Start with what you know. The case review lets you mark unknown details without guessing.
The 21-day notice window
In Texas, you're generally entitled to at least 21 days' written notice by certified mail before a foreclosure sale, and sales are held only on the first Tuesday of the month (Texas Property Code §51.002). That window exists for a reason, it's your time to act, and it's often enough to put a real plan in place.
- 21+ days
- The minimum written notice you're generally owed before a sale.
- Today
- The best day to start. Every day earlier keeps more options on the table.
General information only, not legal advice. Your exact dates and rights depend on your loan and notices, we'll help you make sense of them.
Four honest ways forward
No path is pushed on you. We lay them all out and help you choose calmly.
- 01
Reinstate the loan
Catch up the missed payments (plus fees) and bring the loan current. If you have the funds or a path to them, this can end the process and you keep your home.
- 02
Sell before the sale date
If a sale closes before the auction date, the loan is paid off from the proceeds. Depending on your numbers, that may leave you more than a foreclosure sale would.
- 03
An as-is cash sale
A cash sale can sometimes close before the auction, with no repairs, no listing, no showings. Timing depends on title, the lender's payoff and property conditions, and is not guaranteed.
- 04
A tailored path forward
Sometimes the right move is a custom closing timeline or a combination of these options. We'll talk it through honestly, and only if it's right for you.
From our Google reviews
“Extremely professional and reliable made the entire process smooth and stress-free. Highly recommend for anyone looking to buy or sell with confidence.”
Compare your selling paths, honestly
When selling is the right move, here's what that can look like, tradeoffs included. And if keeping the home is realistic, we'll tell you that too.
- As-Is Cash SaleWhen the date is close. Sell as-is and, if it can close in time, pay off the loan before the auction. The honest tradeoff: a cash price is below full market value, that is what buys the speed and certainty.
- Listing SolutionWhen you have weeks, not days. List on the open market through Maxwell Buffamante, a licensed Texas REALTOR with eXp Realty, to chase the highest net. It can net more, but only if the timeline allows it.
- Compare Your SolutionsWhen you're not sure. We run the numbers on a cash offer next to a market listing so you decide with real figures, not guesses. Free, and the cash option stays on the table while you look.
Want to see the whole process first? Read how it works or reach out privately, no pressure, no judgment. If the home was inherited, start with our inherited and probate options instead.
Questions when payments are behind
Can I still sell if I'm already behind on payments?
Often, yes. Foreclosure is stressful, but waiting can limit your choices. We help you compare what you can do right now, including a sale before the auction date if one can close in time.
Will I lose all my equity?
Not necessarily. It depends on what you owe, the home's value, and timing. We run the numbers on a cash sale versus a market listing so you can see which path may leave more money in your pocket.
What if my auction date is very close?
Call us directly. When the date is close, time matters, and a cash sale may or may not close before the sale date. For deadlines or your legal rights, talk to a Texas attorney or a free HUD-approved housing counselor.
Does it cost anything to talk through my options?
No. The conversation is free, handled privately, and comes with zero obligation. You will not be charged a fee to find out where you stand, and nothing we discuss commits you to selling.
Will you pressure me to sell my house?
No. Selling is only one of the options. If reinstating the loan or another path keeps you in your home and makes more sense, we will say so plainly. We would rather give you an honest answer than a quick deal.
What if I owe more than the house is worth?
There are still options, but they are different, and timing matters even more. A short sale with your lender may be one of them. Reach out and we will look at your real numbers together, honestly and without judgment.
Read more about foreclosure options
General information only, not legal advice. Foreclosure deadlines and available options depend on your case. A sale is not guaranteed to close before an auction. Sellers First Home Solutions is not a brokerage. Listing services, if chosen, are provided separately by Maxwell Buffamante, a licensed Texas REALTOR® with eXp Realty, LLC.
Foreclosure help across the Houston metro
Pick your city for a local guide, or reach out for your free offer anywhere in the Greater Houston metro.