Facing Foreclosure? Learn How to Sell Your House Fast

Wondering how can you avoid foreclosure in Texas? Learn about the process and how Absolute Properties can help you stop it fast.

Behind on Payments? Here's How to Stop Foreclosure and Sell Your Texas Home Fast

Falling behind on your mortgage can feel overwhelming—but you’re not without options. If you’re facing foreclosure in Texas, it’s important to understand the process and take action early. The thought of losing your home and damaging your credit is stressful, but many homeowners across the state face similar situations every day.

At Absolute Properties, we help Texas homeowners avoid foreclosure by offering a quick, cash-based solution. No matter the condition of your property or your financial situation, we can make you a fair cash offer and close fast—so you can move on without added stress.

This guide breaks down how foreclosure works in Texas, your options to stop it, and how selling to Absolute Properties could help you protect your financial future.

How Foreclosure Works in Texas

Texas uses a non-judicial foreclosure process, which means the lender doesn’t need to go through the court system. Because of this, the process moves faster here than in many other states.

If payments are missed, the lender typically sends a Notice of Default and Intent to Accelerate, giving you a short window to catch up. If the loan isn’t brought current, the lender can then issue a Notice of Sale, which sets a public auction date for the property.

Timeline of Foreclosure in Texas

Here’s what usually happens:

  • Missed Payments – After one or more missed payments, the lender may start the foreclosure process.

  • Notice of Intent to Accelerate – You’re officially warned that foreclosure may proceed unless the loan is brought current—usually giving you 20 days to act.

  • Notice of Sale – If no action is taken, the lender gives at least 21 days’ notice of a foreclosure auction date.

  • Foreclosure Auction – Held on the first Tuesday of the month, your home is sold to the highest bidder.

  • Eviction – If you’re still in the home after it’s sold, the new owner can start the eviction process.

Ways to Stop Foreclosure in Texas

If you’re behind on your mortgage, here are some ways to take control:

1. Loan Modification

Your lender might agree to adjust your loan terms—such as lowering the interest rate or extending the loan period—to make monthly payments more manageable.

2. Refinance Your Loan

If you qualify, refinancing can help replace your current mortgage with one that has better terms, giving you a fresh start.

3. Sell to a Cash Buyer

Selling your house directly to Absolute Properties is the fastest option. We buy houses across Texas for cash, as-is, and can close in just 7 days. There are no agent fees, repairs, or delays.

4. List on the Market

Listing with a real estate agent could work if you have time. But if foreclosure is just weeks away, a traditional sale may not happen fast enough.

Help Is Available

If you’re unsure of what to do next, the sooner you act, the more solutions you'll have. Here are a few helpful resources:

Ready to Sell and Move On?

If you're facing foreclosure, don’t wait for the auction date. Selling your house for cash may be your best way out. At Absolute Properties, we make the process fast, fair, and stress-free—so you can focus on what’s next.

📞 Call us today at (713) 230-8059
📝 Or fill out our quick form to request your free, no-obligation cash offer

We buy homes in foreclosure across Texas and are ready to help you take the next step forward—on your terms.

FAQs About Selling a House in Foreclosure

How much time do I have to sell my home before foreclosure?

In most cases, lenders must wait at least 120 days after your first missed mortgage payment before officially beginning the foreclosure process. This grace period gives you valuable time to explore selling your home and potentially avoid a forced sale.

Can I still sell my home if I'm behind on payments?

Yes, as long as the foreclosure auction hasn’t occurred, you still legally own the home and can sell it. Whether you go with a traditional sale, a short sale, or sell directly to a cash buyer, you can take action to avoid foreclosure.

What’s the fastest way to sell a home in pre-foreclosure?

The quickest route is typically working with a real estate investor. They often buy homes in as-is condition and can close quickly—sometimes in as little as 3 to 7 days. Many provide cash offers within a day of viewing the property.

Will selling my house before foreclosure hurt my credit?

Selling your home before it’s foreclosed on generally has less of an impact on your credit score. A completed foreclosure can drop your score significantly, but selling early—especially if you continue making payments—can help reduce long-term credit damage.

Who should I talk to if I want to sell during foreclosure?

Consider working with professionals experienced in foreclosure situations. This includes a real estate agent familiar with distressed sales, a foreclosure attorney, and a HUD-approved housing counselor. Together, they can help you understand your rights, speed up the sale, and make informed decisions.

Get Your Free, No Obligation, Cash Offer Right Now!

read our latest blog posts about how we buy houses for cash