Stop Foreclosure in Texas
Facing foreclosure or behind on payments? Contact your mortgage servicer and a HUD-approved housing counselor first. If selling is one option, compare a direct, as-is offer from us.
Timing Reviewed Up Front
Direct Offer Option
No Agent Commission to Us
If a sale is scheduled, also contact your servicer and a qualified attorney now.
Get Your Cash Offer Now
No obligation. We will review the property information you provide.
Texas Foreclosure Timeline: Where Are You?
Understanding the timeline helps you act before it's too late. There is no universal 30/90/121-day schedule.
Mortgage Becomes Delinquent
Open every notice and contact the mortgage servicer listed on your statement.
Ask for the loss-mitigation application and its deadlines.
Before a First Notice or Filing
Federal rules generally restrict a servicer's first foreclosure notice or filing until the loan is more than 120 days delinquent, but exceptions exist.
Do not turn the federal threshold into a predicted sale date.
Texas Cure and Sale Notices
Texas notice requirements, the loan documents, and loss-mitigation activity affect what happens next.
Use the dates in your own notices and get qualified advice.
If a Sale Is Scheduled
Confirm the sale date with the servicer and county notice rather than relying on a generic online timeline.
Contact the servicer, a HUD-approved counselor, and a qualified attorney promptly.
Use your actual notices
Confirm dates with your servicer and county notice. Closing on a sale depends on a signed agreement, title, payoff, liens, and the agreed closing date.
Current references: CFPB foreclosure timeline, HUD-approved housing counseling, and Texas Property Code §51.002.
Compare Your Options
Sell to Us for Cash
Try to Sell with Agent
Loan Modification
How a Direct Sale Works
Share the Property Information
Tell us about the property and any dates shown in your notices. This does not pause or change the lender's process.
Review a Written Offer
If the property fits, we explain the direct offer and the assumptions behind it. You have no obligation to accept.
Confirm Title, Payoff, and Timing
A title company must confirm ownership, liens, the lender payoff, and whether the agreed closing date is feasible.
Close Only If the Conditions Are Met
At a completed closing, the title company disburses the payoff and other amounts shown on the settlement statement. We cannot promise a credit outcome or that a sale will stop a scheduled foreclosure.
Foreclosure Questions Answered
How quickly can you close?
Some uncomplicated transactions can close quickly, but no date is guaranteed. Title, lender payoff, liens, contract terms, and any scheduled sale all affect timing.
What if I owe more than the house is worth?
A short sale requires the lender's approval. We can evaluate a direct purchase, but we do not approve or negotiate mortgage relief for the lender; contact the servicer and a qualified adviser.
Will this hurt my credit less than foreclosure?
We cannot predict how a sale, missed payments, a short sale, or foreclosure will affect a particular credit file. Ask a HUD-approved counselor or qualified credit professional about your situation.
Do I need to make repairs or clean the house?
No. We buy houses in any condition - as-is. No repairs, no cleaning, no staging required.
What if the auction is next week?
Contact your mortgage servicer and a qualified attorney immediately and verify the date in the official notice. You may also ask us for a direct offer, but we cannot guarantee a closing before the sale.
Facing foreclosure in Central Texas? See how we help homeowners sell a house fast in Temple & Bell County.
A note from Tony
Know who is reviewing your property
I'm Tony Dabney, Co-Founder and Property Acquisitions at Dabney Real Estate Group. When you reach out, my team and I start by understanding the property and what you need from the sale—not by pressuring you to make a decision.
What shapes our review
- Location and public property records
- Condition, access, and the details you share
- Title, tax, and timing questions that affect closing
If the property fits what we buy, I'll explain the offer and the expected closing path before you decide whether it works for you. There is no obligation to accept it.
Tony DabneyCo-Founder & Property Acquisitions · Family-owned since 2021
Direct Texas buyer · Not a broker or listing service
Compare Every Available Option
Contact your servicer and a HUD-approved counselor if you want to keep the home. If a direct sale is one option you want to compare, request a no-obligation property review.