Your Texas Foreclosure Date Is Approaching.
You May Still Have Time to Sell Your Home, Pay Off the Mortgage & Protect Your Equity.
If you're behind on your mortgage or already have a foreclosure sale date, don't wait until the last few days to figure out what to do.
The Home Defenders helps Texas homeowners evaluate their property, mortgage, equity and foreclosure timeline to determine the best available way forward.
If keeping your home is realistically affordable, we'll tell you. But if it isn't, selling before foreclosure may allow you to pay off the mortgage, protect available equity and move forward on your terms instead of letting the foreclosure auction decide what happens next.
- Already have a sale date? Tell us the date. We'll prioritize your property review.
No obligation. No pressure to sell.
Start With Your Property
The sooner we know your deadline, the better we can evaluate which options may still be available.
(786)-416-6767Find Out How Much Equity You Could Be Leaving Behind.
Foreclosure isn't only about losing your home. You could also have significant equity at stake.
If your home is worth more than the mortgage and other debts against the property, that difference may represent one of your largest financial assets.
Don't assume foreclosure is your only option before you know what the property is worth.
If there's equity in the property, selling before foreclosure may give you an opportunity to convert that equity into money for your next chapter rather than simply waiting for the auction.
Actual proceeds depend on the sale price, mortgage payoff, liens, taxes, closing costs, property condition and transaction structure.
The question isn't just
"Can I stop the foreclosure?"
The better question is
"What decision puts me in the strongest financial position from here?"
Sometimes that means keeping the house. Sometimes it means selling it. What usually doesn't help is waiting until the foreclosure date makes the decision for you.
The Home Defenders reviews your situation based on:
- Your home's estimated value
- Your mortgage balance
- How far behind you are
- Your foreclosure sale date
- Liens or title issues
- Property condition
- Whether you can realistically afford the home going forward
- How much equity may be available
- How quickly a solution needs to happen
Then we help you understand the realistic paths available.
If There's a Realistic Way to Save It, That Should Be Considered First.
Depending on your situation, you may be able to explore options such as:
- Loan Modification
- Reinstatement or Repayment
- Lender Loss-Mitigation Programs
- Forbearance
- Refinancing, when available
- Legal or Bankruptcy Options with Qualified Counsel
But there's an important question homeowners sometimes avoid:
Can you actually afford the house going forward?
Stopping today's foreclosure doesn't solve the problem if you'll be unable to make the payments three months from now.
If the hardship is temporary and the numbers work, keeping your home may make sense. If they don't, selling while you still control the property may be the stronger financial decision.
Selling Your Home Doesn't Mean You Failed. Sometimes it means you're protecting what you've already built.
If the mortgage is no longer affordable, your arrears keep increasing or the foreclosure sale is approaching, selling before foreclosure may allow you to:
Protect Available Equity
Turn available equity into proceeds rather than continuing toward foreclosure without a plan.
Pay Off the Mortgage
The mortgage and other required property obligations can potentially be paid through the closing.
Sell Without Making Major Repairs
Depending on the sale option, your property may be sold as-is.
Avoid Waiting Months for a Traditional Buyer
When foreclosure is approaching, the fastest transaction that protects your financial interests may matter more than following a traditional sales process.
Plan Your Next Move
Selling voluntarily can provide more opportunity to determine when and how you transition from the property.
Stay in Control
You decide to sell the property rather than waiting for a foreclosure auction to determine the next step.
Who Makes the Decision?
Selling Before Foreclosure
- You make the decision to sell.
- You can evaluate your property's value before deciding.
- You can address available equity intentionally.
- You may have multiple ways to sell.
- You may be able to sell the property as-is.
- You can work toward paying off the mortgage through closing.
- You have more opportunity to plan your next move.
Waiting for Foreclosure
- The foreclosure timeline controls the decision.
- Your available options may become more limited as the sale approaches.
- You have less control over timing.
- You lose the ability to voluntarily sell the property once foreclosure is completed.
- Your transition may become significantly more difficult.
Texas Foreclosure Can Move Fast.
Texas homeowners should not assume they have months or years to figure this out.
Many Texas residential foreclosures can proceed through a nonjudicial process. For covered residential foreclosures, Texas law generally provides a period to cure the default before notice of sale and requires advance notice before the scheduled foreclosure sale.
Foreclosure sales generally take place on the first Tuesday of the month.
Once you've received a Notice of Sale, your timeline matters. If you already have a foreclosure sale date, tell us immediately.
Because our first question isn't "How cheap can we buy your house?"
It's: "What outcome makes the most sense for this homeowner?" There are plenty of companies willing to make you a quick offer. That's not where we start. We start by looking at the entire situation.
If keeping the home makes sense, we'll tell you. If a traditional sale is realistic and produces the better outcome, that should be considered. If time or property condition makes a faster as-is sale the better solution, we'll evaluate that too.
We're not here to force every homeowner into the same answer. We're here to help you reach a practical resolution before foreclosure takes away your ability to choose.
Four Steps. The Decision Stays Yours.
Tell Us About the Property
Give us the property address and some basic information about what's happening.
If you have a foreclosure sale date, tell us immediately.
We Review the Numbers
We'll evaluate the property, estimated value, mortgage, potential equity, foreclosure timeline and other information relevant to your situation.
Understand Your Options
We'll explain which paths appear realistic based on the information available. If keeping the home makes sense, you'll know. If selling is the stronger option, we'll explain why and discuss the available ways to sell.
You Decide
There is no obligation to sell simply because you requested a property review. The decision stays yours. But if you're approaching foreclosure, making that decision sooner can matter.
You May Not Need to Repair, Clean or Renovate the Property First.
When foreclosure is approaching, spending weeks fixing a property may not make sense. Depending on your situation and the sale method available, you may be able to:
- Sell as-is
- Leave unwanted items behind
- Avoid major repairs
- Avoid repeated showings
- Avoid waiting for renovations
- Work toward a faster closing
- Address mortgage and qualifying liens through closing
- Keep available proceeds after required payoffs and transaction costs
Don't Wait.
The closer you get to the scheduled foreclosure sale, the fewer practical options you may have.
Tell us exactly when your foreclosure is scheduled.
Request Priority Review
Have your Notice of Sale? Keep it available when we contact you.
(786)-416-6767Frequently Asked Questions
Potentially, yes.
If the foreclosure sale has not been completed and there is enough time to complete a transaction and satisfy the requirements necessary to transfer the property, selling may still be possible.
If you already have a sale date, tell us immediately.
Typically, required mortgage payoff amounts and other obligations that must be satisfied to transfer clear title are handled through closing.
Whatever remains after required debts, liens, taxes and transaction expenses are paid determines the seller's net proceeds. That's why understanding your actual equity matters.
Tell us.
If your financial situation has improved and there is a sustainable way to resolve the delinquency, keeping the property may deserve serious consideration.
We don't believe someone should sell a house solely because they're behind on payments. The question is whether keeping it actually works financially.
You may still be able to sell.
Depending on the available sale option, a property may be purchased in its current condition without requiring major repairs.
That does not automatically prevent a sale.
Properties with deferred maintenance, damage, code issues or significant repairs may still qualify for an as-is transaction.
Tell us the actual condition. You don't need to make the property look perfect before contacting us.
That depends on the property, title, liens, mortgage payoff information, buyer or transaction structure and the amount of time remaining.
We don't believe in promising every homeowner an arbitrary closing timeline before reviewing the property. If speed matters, tell us why and give us the exact deadline.
Contact us immediately and provide the exact sale date.
Options may be significantly more limited when a foreclosure sale is imminent. No company should guarantee that it can stop a foreclosure simply because you contacted them.
Depending on your circumstances, you may also need immediate advice from a qualified Texas attorney.
No.
Requesting a property review doesn't obligate you to sell your home. Our job is to help you understand the situation and determine what realistic options remain.
You decide what happens next.
Don't Wait Until Foreclosure Changes That.
If you're behind on payments, facing foreclosure or already have a scheduled sale date, find out where you stand now.
- Find out what your property is worth.
- Find out how much you owe.
- Find out whether you have equity.
- Find out whether keeping the home is realistic.
- And if it isn't, find out whether selling now can put you in a stronger position than waiting for foreclosure.
You still have a decision to make. Make it while the decision is still yours.
Get My Free Property & Foreclosure Review
(786)-416-6767Important Information
The Home Defenders provides real estate and homeowner-solution services. Information provided on this page is for general educational purposes and is not legal, tax or financial advice.
Foreclosure circumstances and timelines vary based on the property, loan, lender, notices received and homeowner's individual circumstances.
The Home Defenders does not guarantee that a foreclosure can be postponed or stopped, that a property can be sold before a scheduled foreclosure, any specific closing date, any particular sale price or any amount of seller proceeds.
Homeowners seeking legal advice regarding foreclosure, bankruptcy or other legal rights should consult a qualified Texas attorney.