We’re Here 24/7 — Speak With a Live Houston Agent Anytime: 
346-360-4444
We’re Here 24/7 — Speak With a Live Houston Agent Anytime: 346-360-4444
Foreclosure in Texas moves fast, often just weeks from the first notice to a first-Tuesday sale. We can buy your house before the sale date, even with little or no equity, liens or repairs. If you're behind on mortgage payments, the earlier you call, the more options you have.
Most homeowners don't realize how little time there is between the first letter and the sale. Here's what you're up against, and why waiting usually costs you options.
Most Texas mortgages allow non-judicial foreclosure. After a notice of default with at least 20 days to catch up, the lender can post a notice of sale just 21 days before the auction. We closed this Middletown home with days to spare.
Foreclosure auctions are held on the first Tuesday of each month at the county courthouse. Once your house is posted, the date is set and it doesn't move unless the debt is resolved.
A traditional sale usually takes 30 to 90 days or more, with showings, inspections and a buyer's lender. The bank won't pause the foreclosure while you wait for the right offer.
Missed payments, late fees and back taxes can leave you owing close to what the house is worth. We still buy, like this Mont Belvieu home where the owner owed nearly its full value.
Deferred repairs make a fast retail sale even harder. We buy as-is, like this Oak Forest home that was behind on payments and needed major work.
Notices, calls from investors and confusing options pile up fast. We'll walk you through where things stand, including options other than selling, with no pressure and no cost.
Every property featured is a real home we’ve helped close and fund. Before any property or story is published on our website, we obtain the seller’s permission—nothing is shared without their consent. If you ever want to update or remove your story in the future, simply call us at (346) 360-4444, and we’ll take care of it promptly.
Every foreclosure is different. Here are three Houston-area homes where the owners thought they were out of options, and how we helped them close before the sale.
The foreclosure was already in motion, and foundation movement ruled out any buyer who needed a mortgage. The owner assumed the clock had run out. We bought it as it stood and closed in 9 days.
Once arrears and fees were counted, there was almost no equity left. A traditional sale with a commission would have left the owner with nothing. We worked the numbers directly with the lender and closed in 17 days.
Falling behind on mortgage payments and deferred maintenance usually arrive together, and each makes the other harder to solve. This owner had both. Condition made no difference to us. We bought it as-is and closed in 13 days.
We've closed homes ahead of foreclosure from Oak Forest, Mission Bend, Kashmere Gardens and Woodgate to Baytown, Channelview, Dayton, Hitchcock and down toward Freeport. If your property is within about a two-hour drive of Houston, no matter what stage the foreclosure has reached, it's worth a conversation.
When you're behind on mortgage payments and a sale date is getting closer, a normal listing usually moves too slowly. As a local cash buyer we can sell your house before foreclosure in Houston on your timeline, with no repairs, no commissions and a straight answer about your options.
We don't wait on a mortgage approval, which is what makes a normal sale too slow. Where title is clear, we've closed in as few as 3 days, like this Sterling Forest home in Channelview.
We buy homes where the balance is close to the value, and we work the payoff figure directly with your lender so you don't have to. See how we did it on Bermuda Blue Dr in Mont Belvieu.
Tax liens, contractor liens, HOA dues. The title company identifies what's owed and it's settled at closing, out of the sale, not out of your pocket upfront.
There's no agent commission to come up with, and we cover standard closing costs. That matters most when there's little equity left to work with.
If maintenance slipped while money was tight, it changes nothing. We buy as-is, like this Oak Forest pre-foreclosure. Learn more about selling your house as-is.
If reinstating the loan or a modification would serve you better, we'll say so. We'd rather be honest than take a house from someone who didn't need to lose it.
A foreclosure sale date doesn't mean it's too late. Here's exactly what happens when you call us, three simple steps from first conversation to closing, with no repairs, no listing and no commissions.
Timing is the one thing that genuinely matters here. Even if you're not sure what you want to do yet, an early conversation keeps more of your options open.
What's owed, what stage the foreclosure has reached, and what the house is worth as it is. If you'd like, we'll speak to your lender directly about the payoff.
We show you what selling to us leaves you with and how it compares to the alternatives. If you go ahead, a title company closes on your timeline, in some cases as quickly as 1–2 business days once title is clear.
Plenty of companies advertising to homeowners in foreclosure would rather you didn't know this. These are the routes genuinely worth asking your mortgage servicer about before you decide anything.
Pay the past-due amount in one lump sum to bring the loan current. If the money is reachable, this ends the foreclosure entirely.
Spread the missed payments across your future payments over an agreed period.
A permanent change to the loan terms, such as the rate or the length, to bring the monthly payment within reach.
A temporary pause or reduction in payments. Useful when the hardship is short term, like an illness or a job loss you expect to recover from.
Including to a local cash buyer like us. This makes sense when the other routes aren't available, when there's equity worth protecting, or when you want it finished on your terms instead of the lender's. If the house needs work, that changes nothing: see selling a house as-is. Behind on a rental? See selling a rental property.
HUD-approved housing counseling agencies give impartial guidance at no cost, and they don't want to buy your house. Find one at hud.gov or call 1-800-569-4287. We recommend talking to one before making any decision, including a decision to sell to us.
Volcan Property Buyers
Traditional Agent / MLS
Weeks to months for offers
30–90+ day closing
No repairs needed
Repairs often required
No fees or commissions
5–6% commission
No showings
Multiple showings
Real Google reviews from Houston-area sellers we've helped through foreclosure, inheritance, repairs and tight deadlines, closed as-is and on their timeline.
Yes. In Texas you can sell any time before the foreclosure sale itself, even after a notice of default or a posted sale date. Your mortgage is paid off at closing through the title company, and the foreclosure stops.
Faster than most people expect. Most Texas foreclosures are non-judicial: the lender sends a notice of default with at least 20 days to cure, then a notice of sale at least 21 days before the sale. Sales happen on the first Tuesday of the month, so the window can be as short as about six weeks. That's why calling early matters.
You'll get a fair cash offer within the hour. Because we don't wait on a mortgage approval, we can close in some cases as quickly as 1–2 business days once title is clear. See how it works.
Little or no equity isn't a dealbreaker. When the balance is close to or above the value, we work the payoff numbers directly with your lender so you don't have to, like we did on Bermuda Blue Dr in Mont Belvieu. If a lender approval is needed, we'll tell you upfront how that affects the timeline.
Generally, yes. Missed payments will still show, but selling before the sale keeps a completed foreclosure off your record. A foreclosure can stay on your credit report for up to seven years and makes it harder to rent or buy again.
No. There's no agent commission, we cover standard closing costs, and we buy as-is, so you don't fix or clean anything. Tax liens, HOA dues and other liens are settled at closing out of the sale. Learn more about selling a house as-is.
Not necessarily. Call or text 346-360-4444 today. We're available 24/7. The sooner we know what's owed and where the title stands, the more room there is to close before the sale.
We recommend it. HUD-approved housing counselors give free, impartial advice on reinstatement, modification and other options. Find one at hud.gov or call 1-800-569-4287. If selling turns out to be your best route, we're here.
No fee, no obligation and no pressure to sell to us. Tell us where things stand and we’ll explain what selling your house before foreclosure would look like and how it compares to your other options. If a different route serves you better, we’ll say so.
