Stop Foreclosure in Texas by Selling Your House for Cash
Texas foreclosures can move from first notice to auction in a matter of weeks. If you have equity in your home, selling before the sale date can protect it, and we can close in 7–14 days.
- Close in 7–14 days
- We pay all closing costs
- Sell as-is, no repairs
Get Your Free Cash Offer
From Address to Closing
Three steps, start to finish.
How it works
Send your address
Send your address. We review recent sales, repairs and any liens.
Get a cash offer
You get a cash offer. Free, no obligation.
Close and get paid
Close at a Texas title company in 7–14 days. We pay all closing costs.
Acting early matters. On a Texas homestead, the lender must give at least 20 days to cure after notice of default and at least 21 days' notice before a sale. Selling for cash can pay the loan from proceeds at closing and stop the auction if you close in time.
Who buys your house: Cash Home Advisors, LLC signs the purchase contract with you. We may buy your home ourselves or with a partner investor, and we tell you which before you sign. Every sale closes at a Texas title company on a standard TREC contract. Adrian Luna is a licensed real estate agent in the State of Texas (TREC #675272-SA). Cash Home Advisors, LLC buys property as a principal and is not acting as your agent, lender, or advisor.
If you're behind on your mortgage, you already know how heavy it feels. The certified letters, the phone calls, the math that doesn't work no matter how many times you run it. Maybe it started with a job loss, a medical bill, a divorce, or a tax bill that outran your income. However you got here, one thing is true in Texas: you don't get much time to decide what happens next. But if you have equity in your home, you have real options — and selling before the foreclosure sale can protect what you've built.
Why selling your house can stop a foreclosure
A foreclosure exists for one reason: to collect a debt secured by the house. When you sell, the loan gets paid off at closing out of the sale proceeds, and the foreclosure loses its reason to continue. Whatever is left after the payoff and closing costs belongs to you.
That last part matters more than people realize. A courthouse auction is built to satisfy the lender, not to get the most money for your house. A negotiated sale that closes at a title company pays off the lender and hands you your remaining equity. Losing a house is hard. Losing the house and the equity inside it is worse.
The Texas foreclosure timeline moves fast
Texas is a non-judicial foreclosure state, which means most residential foreclosures never see a courtroom. In general terms, here's how the clock runs:
- After you fall behind, the lender sends a notice of default giving you at least 20 days to catch up — to "cure" the missed payments.
- If the loan isn't cured, the lender can post a notice of sale at least 21 days before the auction.
- Foreclosure sales in Texas happen on the first Tuesday of the month, typically at the county courthouse.
Add that up, and the distance between the first serious letter and the auction can be a matter of weeks. This is general information, not legal advice — every loan and every county has its own wrinkles, so talk with your own attorney about your exact deadlines.
Our guide to how to stop a foreclosure in Texas walks through each deadline and five options. If the house was inherited, read how to stop foreclosure on an inherited house. If someone has offered to take over your payments, read whether someone can take over your mortgage in Texas before you sign anything.
Two things are worth doing early no matter what: call your lender and ask about loss mitigation (repayment plans, modification, forbearance), and talk to a HUD-approved housing counselor — their help is free. Selling is one option among several. The real mistake isn't picking the wrong option; it's waiting until the calendar picks for you.
How a cash sale with Cash Home Advisors works
Cash Home Advisors buys houses for cash across Texas, with no waiting on a stranger's loan approval that can fall apart a week before the auction.
- As-is means as-is. No repairs. You don't need to bring the payments current — the loan is paid off at closing.
- We pay all closing costs. You pay no agent commissions.
- A real contract at a real title company. We use the standard TREC contract and close at Texas title companies. The title company orders the payoff from your lender and pays the loan off at closing.
- Close in 7–14 days. Tell us the sale date on the first call so the title company can order the payoff right away.
- Se habla español. You can work with us in Spanish from the first call through closing, so nothing important gets lost in the fine print.
If the clock is already running
The earlier you call, the more choices you keep. Title work and a payoff letter from your lender take time, and Texas gives you less of it than almost any other state. Call Cash Home Advisors at (817) 520-8319 and tell us where things stand — how far behind you are, whether a sale date has posted, and roughly what you owe. No pressure, no obligation — just a straight answer while there's still time to use it.
If a bankruptcy case is already filed, the sale follows the court. Read selling a house during bankruptcy in Texas. Tax debt that is not the mortgage is on back property taxes. The state index is the Texas hub.
Cash Sale vs. Listing With an Agent
How a sale to Cash Home Advisors compares with listing your house. Sources are listed under the table.
| Cash Home Advisors | Listing with an agent | |
|---|---|---|
| Time to close | Close in 7–14 days | An average of 63 days on the market for Texas homes sold (as of July 2026 data)2 |
| Repairs | Sell as-is, no repairs | The buyer may inspect the house and negotiate repairs1 |
| Agent commissions | No agent commissions | Not set by law; negotiated in your listing agreement1 |
| Closing costs | We pay all closing costs | You pay seller expenses, such as preparing the deed and half the escrow fee; who pays the owner's title policy is negotiated13 |
| Getting an offer | Free, no obligation | Varies; set in your listing agreement |
Sources
Frequently Asked Questions
Can I still sell my house after getting a notice of default in Texas?
Generally, yes. In most cases you can sell any time before the foreclosure sale actually happens — the loan is simply paid off at closing out of the proceeds. The earlier you start, the more room there is for title work and your lender's payoff letter. Confirm your exact deadlines with your lender and your own attorney.
How fast can a cash sale close compared to the Texas foreclosure timeline?
A cash sale does not depend on a bank loan, so the main gates are the title company's work and your lender's payoff statement. Because Texas requires only a 21-day notice of sale before a first-Tuesday auction, the window is tight — which is why calling before a sale date posts gives you the most options.
What happens to my equity if the house goes to the foreclosure auction?
Auction proceeds go first to the loan balance, fees, and costs. Courthouse auctions often bring less than a negotiated sale, and recovering any surplus that does exist is its own process. Selling before the auction through a title company pays off the loan and puts your remaining equity in your hands at closing. Ask your own attorney how this applies to your loan.
What does it cost to sell to Cash Home Advisors to stop a foreclosure?
We buy as-is, we pay all closing costs, and you pay no agent commissions. Closing happens on a standard TREC contract at a Texas title company.
Should I talk to my lender or a HUD counselor before deciding to sell?
Yes. Ask your lender about loss mitigation options like a repayment plan, modification, or forbearance, and consider a HUD-approved housing counselor — their help is free. Selling is one path out of foreclosure, not the only one. Compare your options early, while the calendar still leaves room to choose.
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