Facing Foreclosure? Sell Your House Fast and Protect Your Credit
You still have options. Property Royals buys houses for cash and can close before your auction date. Stop the foreclosure, protect your credit, and walk away with cash in your pocket.
You Still Have Options — And Time Matters
If you're reading this, you've missed mortgage payments. Maybe a few. Maybe more. The lender has sent the notices. You know the foreclosure auction date is coming. The stress is real, and it feels like the clock is running out.
Here's what you need to know: you're not out of options. Selling your house for cash before the foreclosure process completes can stop the sale, protect your credit, and potentially leave you with cash in your pocket instead of a destroyed credit report.
Property Royals specializes in exactly this situation. We buy houses fast — often closing before the auction date — so you keep control of the sale rather than losing it to the foreclosure process. In Texas, that window is narrower than most states, but it exists. We can help you use it.
How Texas Foreclosure Works (And Why Speed Matters)
Texas is a non-judicial foreclosure state, which means the lender can foreclose without going to court. This is faster for them — and faster for you to run out of time.
Notice of Default (Month 1–3)
After you miss payments, the lender issues a formal notice. You typically have about 120 days to catch up. If you don't, the lender announces foreclosure.
Notice of Sale (Month 3–4)
The lender publishes a notice of sale, usually in a local newspaper. By Texas law, the sale must happen at least 21 days from publication, but lenders typically schedule it 30–45 days out.
Auction Date (First Tuesday of the Month)
The property is sold at public auction, typically on the courthouse steps. Most go unsold at auction, meaning the property reverts to the lender as “real estate owned” (REO).
Your Credit Impact
A foreclosure goes on your credit report and stays for 7 years. It tanks your score — often 100–150 points in the first few months, sometimes more. Rebuilding takes years.
The key window:You have roughly 4–6 weeks from the notice of sale to the auction date to sell the house and stop the process. After the auction happens, it's too late.
How a Cash Sale Stops Foreclosure
When you sell for cash, the buyer (in this case, Property Royals) provides funds at closing. Those funds go directly to pay off your lender's mortgage. The lender releases the lien, the property transfers to the new owner, and the foreclosure process stops.
What about your money?If the cash offer is higher than what you owe, you keep the difference. After closing costs (which we cover for you), that money is yours. It's not unusual for a homeowner facing foreclosure to walk away with $5,000–$50,000+ in equity, even after a discounted cash offer.
Credit protection:A foreclosure isn't just bad for your next few years — it affects your ability to rent, get a car loan, and even land certain jobs. Selling before foreclosure completes keeps this off your record. A regular sale doesn't damage your credit at all.
Trusted by Houston Homeowners
How It Works — 3 Simple Steps
Tell Us About Your Property
Share your address and a bit about your situation. Takes 2 minutes. No obligation.
Get Your Cash Range
We evaluate your property and present a fair cash offer within 24 hours. Transparent. No surprises.
Pick Your Payday
Choose your closing date — as soon as 7 days or whenever works for you. We handle all the paperwork. You get paid in cash.
Your Options Compared: Foreclosure vs Cash Sale vs Short Sale
Foreclosure
Timeline: 60–90 days from notice to auction
Control: Zero — lender controls the sale
Your Money: Lose all equity; owe lender any deficiency
Credit: Severe — 7-year mark; 100–150+ point drop
Your Effort: None (passive loss)
Cash Sale (Property Royals)
Timeline: 7–30 days to close
Control: You control terms and closing date
Your Money: Keep proceeds above mortgage payoff
Credit: None — it's a regular sale
Your Effort: One call, one inspection, close
Short Sale
Timeline: 3–6 months (bank approval needed)
Control: Lender controls; must approve offer
Your Money: Usually zero; may owe deficiency
Credit: Bad — less severe than foreclosure
Your Effort: Extensive — list, show, negotiate, wait
The reason we focus on cash sales:they're the fastest, most certain way to stop foreclosure before the auction. A short sale takes too long. Refinancing won't happen if you're late on payments. A cash sale is your move.
How Much Equity Can You Protect?
The amount of cash you walk away with depends on three things: your home's actual market value, how much you owe the lender, and the condition of the property.
If you have equity: Most homeowners do, even late on payments. If you owe $160,000 and the home is worth $200,000, you have $40,000 in equity. A cash offer might be $140,000 (70% of value, accounting for repairs and our margin). You still walk away with $20,000 after paying off the lender and closing costs.
If you're underwater:Some homeowners owe more than the home's current value. In that case, a short sale might be your only option. We can discuss this on a case-by-case basis.
The point:call us and let's run the numbers. You might have more money in this than you think.
City-Specific Foreclosure Help
Foreclosure laws and timelines vary slightly by county, but Texas state law applies statewide. We handle foreclosure situations across Houston and San Antonio.
Frequently Asked Questions
Stop Foreclosure Before It's Too Late
Call (832) 377-1375 today. Tell us your auction date. Let's see if we can stop the foreclosure and protect your equity.
Or call us: (832) 377-1375