Stop Foreclosure In Texas and Keep Your Home

November 6, 2024

The Ultimate, Undisputed, Foreclosure Playbook

Foreclosure—the word no homeowner wants to hear. It’s one of the most stressful challenges you could face, and let’s be honest, it can feel overwhelming. But you’re here because you’re ready to fight back, understand your options, and take control. This isn’t just another guide. It’s your ultimate playbook to stop foreclosure in Texas, packed with all the practical advice you need to map out your options and take action. Whether you’re at the early stages of missed payments or scrambling to buy more time, this guide will walk you through the entire process.

Part 1: Understanding Foreclosure in Texas

Foreclosure might seem like an unstoppable force, but understanding the process is your first step toward stopping it. Let’s break down the key elements, the timeline, and what you can expect as a Texas homeowner.

Types of Foreclosure in Texas

In Texas, foreclosure typically moves fast due to the state’s preference for non-judicial foreclosures. Here’s what you need to know:

  • Non-Judicial Foreclosure: This streamlined process skips court involvement. It begins with a Notice of Default and Intent to Accelerate, giving you 20 days to catch up on payments. If unresolved, a Notice of Sale is issued at least 21 days before the auction.
  • Judicial Foreclosure: Rare in Texas, this involves a lender filing a lawsuit to foreclose. It’s used for home equity loans, property taxes, or HOA dues.
  • Zombie Foreclosure: This occurs when homeowners abandon their property after receiving a foreclosure notice, assuming the process is complete. However, if the lender doesn’t finalize the sale, the homeowner remains responsible.

👉 Related: Understanding the Foreclosure Process in El Paso

Texas Foreclosure Timeline

The Texas foreclosure process moves quickly—often in as little as 60 days. Here’s a step-by-step overview:

  1. Missed Payments: Typically starts after three missed payments (90 days overdue).
  2. Notice of Default: Issued, giving you at least 20 days to cure the default.
  3. Notice of Sale: Filed with the county clerk, posted publicly, and mailed to you 21 days before the auction.
  4. Auction Day: Property is sold to the highest bidder, usually on the first Tuesday of the month.
  5. Eviction: If the home is sold, the new owner can begin the eviction process.

Your Redemption Rights in Texas

While most foreclosures in Texas don’t include redemption rights, there are exceptions:

  • Tax Foreclosures: You may have up to two years to redeem the property by paying the winning bid, fees, and penalties.
  • HOA Foreclosures: You have 180 days to redeem after an HOA foreclosure by settling dues and legal fees.

👉 Related: Foreclosure Prevention Programs in El Paso

A superhero breaking chains labeled "foreclosure," representing taking action to stop foreclosure in Texas

Part 2: Taking Action to Stop Foreclosure in Texas

The key to stopping foreclosure is acting fast and knowing your options. Here’s what you can do to take control of the situation.

Step 1: Open Communication with Your Lender

Most lenders would rather work with you than go through foreclosure. Call your lender as soon as you miss a payment or realize you might. Options may include:

  • Forbearance: Temporarily suspending or reducing payments.
  • Loan Modification: Adjusting the loan terms to make payments more manageable.
  • Repayment Plans: Spreading out missed payments over several months.

👉 Related: Tips for Negotiating with Your Lender in El Paso

Step 2: Seek Financial Assistance

Programs like the Texas Homeowner Assistance Fund (TXHAF) offer support for struggling homeowners. Reach out to HUD-approved housing counselors for free advice on navigating your options.

Step 3: Consider Selling Your Home

If keeping your home isn’t feasible, selling it quickly can help you settle debts and avoid foreclosure. Selling to a cash buyer offers several benefits:

  • Fast closing times
  • No repair costs or showings
  • A chance to move forward with cash in hand

👉 Related: Selling Your Home to Avoid Foreclosure

Part 3: Foreclosure Alternatives

When foreclosure is on the horizon, it’s easy to feel boxed in—but take a deep breath. There are more options than you might think to avoid losing your home and protect your finances. From forbearance to selling on your own terms, here’s the playbook of alternatives to consider. We’ll break each one down so you can make the choice that works best for you.

Digging Deeper: Loss Mitigation Strategies

When foreclosure looms, knowing your options can help reduce the financial strain of missed payments. Here’s a breakdown of the most common “loss mitigation” tools available to help you stay in control.

1. Loan Modification

Think of a loan modification as a makeover for your mortgage. This option allows your lender to adjust the terms of your loan to better align with your current financial situation. Modifications can include lowering the interest rate, extending the loan term, or adding missed payments to the end of the loan.

How to Get Started:

  • Call your lender’s loss mitigation department and explain that you’re interested in a loan modification.
  • Gather documentation, such as proof of hardship (e.g., job loss or medical expenses) and income verification, to submit with your request.
  • You can also contact a HUD-approved housing counselor (use HUD’s Counseling Locator) for free assistance navigating the process.

Pro Tip: Be clear about what changes would make your mortgage manageable, whether it’s a longer term or a reduced rate. Lenders are often willing to work with homeowners if it helps avoid foreclosure.

2. Repayment Plan

If your financial hiccup is temporary, a repayment plan might be the best solution. This option allows you to catch up on missed payments by spreading them out over several months and adding them to your regular monthly payment.

How to Get Started:

  • Contact your lender and propose a repayment plan that fits your budget.
  • Demonstrate that you’re financially stable again and capable of handling the increased payment amount.

Pro Tip: Don’t overextend yourself. If the additional payment feels like it might strain your finances, be upfront with your lender. The goal is to find a plan that works for both parties.

3. Forbearance Agreement

When life throws you a curveball, forbearance can provide temporary relief. With a forbearance agreement, your lender agrees to reduce or pause your payments for a set period, giving you time to regain stability.

How to Get Started:

  • Call your lender and ask about their forbearance options.
  • Be prepared to provide documentation of your hardship and outline your plan for resuming payments after the forbearance period ends.

Pro Tip: Plan ahead for the end of the forbearance period. Payments will resume, and in some cases, you may need to catch up on deferred amounts. Make sure you understand the terms to avoid surprises.

4. Mortgage Forbearance and Moratoriums

While many pandemic-era moratoriums have expired, there are still programs in place that could help.

  • VA Loan Moratorium (until December 2024):
    If you have a VA-backed loan, servicers are pausing foreclosures through 2024 (with some exceptions). You may also qualify for the VA’s VASP program, which allows you to modify defaulted loans at a fixed 2.5% interest rate.

    • How to Qualify: Call the VA at 877-827-3702 to discuss eligibility and learn about program details.
  • Fannie Mae and Freddie Mac Pause:
    If you’ve applied for the Homeowner Assistance Fund, servicers backed by Fannie Mae or Freddie Mac must pause foreclosure action for up to 60 days. Use their online lookup tools to confirm whether your loan is eligible, or contact your servicer directly.

5. Selling Your Home on Your Terms

If holding onto your home isn’t feasible, selling might be a way to settle your debt and avoid foreclosure.

Short Sale

In a short sale, you sell your home for less than the remaining mortgage balance with your lender’s approval. While you won’t walk away with equity, this option can help you avoid foreclosure and its long-term impact on your credit.

How to Get Started:

  • Discuss the possibility of a short sale with your lender to obtain approval.
  • Work with a knowledgeable real estate agent to list your home and find a buyer.

Pro Tip: Be transparent with both your lender and agent about your goals. Clear communication will help avoid delays and streamline the process.

Deed in Lieu of Foreclosure

This option allows you to voluntarily transfer ownership of your home to the lender in exchange for debt forgiveness. While it doesn’t let you keep your home, it can simplify the process and reduce the damage to your credit compared to a full foreclosure.

How to Get Started:

  • Contact your lender to discuss eligibility. They may require a financial review and an inspection of the property before proceeding.

Pro Tip: Ask how this arrangement will be reported to credit agencies. In some cases, you can negotiate a more favorable credit outcome, such as marking the debt as “paid in full.”

Comparing Foreclosure Alternatives at a Glance

Option

Pros

Cons

Requirements

Credit Impact

Loan Modification

Lowers monthly payments; keeps you in your home

Takes patience and persistence

Proof of hardship; steady income

Mild, may show as “Modified”

Repayment Plan

Helps you catch up without changing the loan terms

Temporarily increases monthly payments

Must show ability to make increased payments

Typically neutral

Forbearance

Pauses payments temporarily

Payments resume later, usually with interest

Short-term hardship; lender approval

Often neutral if resumed on time

Refinancing

Potential for lower payments or interest rate

Requires decent credit and a steady income

Credit score, income, and loan approval

Minor impact from credit inquiry

Short Sale

Settles debt without foreclosure

Loss of home; impact on credit

Financial hardship; lender approval

Considerable credit impact

Deed in Lieu of Foreclosure

Avoids formal foreclosure

You give up ownership; credit impact

Must prove inability to continue payments

Credit impact, often less than foreclosure

By understanding and leveraging these loss mitigation strategies, you can find a solution that best fits your situation. The key is to act quickly, communicate openly with your lender, and consider all available options. Remember, every step you take brings you closer to regaining control of your financial future.

A coach drawing out a game plan on a whiteboard, symbolizing creating a strategic plan to stop foreclosure in Texas and regain financial stability

Part 4: Strategies to Buy More Time and Get Back on Track

When foreclosure feels imminent, don’t throw in the towel just yet. There are strategies that can help you buy time, safeguard your rights, and take control of your financial situation. From legal defenses to navigating changing mortgage rates, this section provides actionable steps to create a plan.

1. Bankruptcy: Hitting Pause on the Foreclosure Process

While bankruptcy may seem like a drastic option, it can provide a lifeline for homeowners in distress. It’s a legal tool that can delay or even halt foreclosure proceedings, giving you time to regroup.

  • Chapter 7 Bankruptcy: Known as "liquidation bankruptcy," this option temporarily stops foreclosure but doesn’t eliminate mortgage debt. It’s best suited for those who need time to figure out their next steps and don’t plan to keep the home long-term.
  • Chapter 13 Bankruptcy: Called “reorganization bankruptcy,” this allows you to set up a 3–5-year repayment plan to catch up on missed payments. It’s ideal if you want to stay in your home and can demonstrate the ability to make future payments.

When to Consider Bankruptcy:
Bankruptcy is a significant decision, and consulting with a qualified bankruptcy attorney is essential. They can help determine whether Chapter 7 or Chapter 13 is the better fit and ensure you’re taking the right steps to protect your home.

2. Legal Challenges and Injunctions: Defending Your Rights

Sometimes, foreclosure requires legal intervention, especially if your lender hasn’t followed proper procedures. Here’s how you can protect yourself:

  • When to Contest Foreclosure: If you suspect lender misconduct, such as improper notices or errors in documentation, you may have grounds to challenge the foreclosure process.
  • How to Seek Help: A foreclosure or real estate attorney can assess your case and help you file a lawsuit or injunction to halt proceedings. This is particularly valuable if deadlines are approaching or your rights have been violated.

Pro Tip: Be cautious of foreclosure scams. Avoid anyone who demands upfront fees or offers to “save” your home by transferring the title. For trusted advice, connect with a HUD-approved housing counselor or local legal aid services.

3. Loss Mitigation Programs: Working With Your Lender

Most lenders offer loss mitigation programs to help you avoid foreclosure. These options aim to make your mortgage more manageable by modifying terms or adjusting payment structures.

Steps to Maximize Loss Mitigation:

  1. Get Organized: Collect financial documents like pay stubs, tax returns, and a detailed budget to present to your lender.
  2. Submit a Complete Application: Incomplete forms can delay the process. Double-check everything and include all supporting documentation.
  3. Be Proactive: The earlier you contact your lender, the more options you’ll have. Borrowers who act before falling far behind often get better outcomes.

4. Emergency Programs and Hardship Funds

Financial hardship doesn’t have to lead straight to foreclosure. Programs and resources exist to provide critical assistance:

  • Homeowner Assistance Fund (HAF): Provides up to $65,000 per eligible Texas household for expenses like mortgage payments, property taxes, and utilities.
    • How to Apply: Visit the Texas HAF portal or call (833) 651-3874.
    • Need Help? Email txhaf@tdhca.texas.gov for support.
  • VA Housing Assistance: Veterans with VA-backed mortgages can access programs tailored to their needs, including foreclosure moratoriums and loan modifications. Visit VA Housing Assistance for details.
  • Local Hardship Funds: Check with your local housing authority for programs specific to natural disasters or other crises.

5. Navigating Mortgage Rates and Foreclosure Options

Mortgage rates play a surprisingly important role in your foreclosure options. Whether rates are high or low, here’s how to approach your situation:

When Rates Are High:

  • Loan Modification Waterfall: A step-by-step approach lenders use to adjust terms without increasing your interest rate.
    1. Add missed payments to the loan balance and spread them across remaining payments.
    2. If that’s not enough, move missed payments to the end of the loan as a “balloon payment.”
    3. If payments are still unaffordable, defer part of the loan principal.

When Rates Are Low:

  • Refinancing: Locking in a lower rate or extending the loan term can reduce monthly payments.
  • Traditional Loan Modifications: Lenders are more likely to lower interest rates directly when rates are low.

Pro Tip: Always ask your lender if a waterfall modification is available to avoid payment spikes, especially in a high-rate environment.

6. Selling Your Home: A Strategic Exit

If keeping your home isn’t possible, selling it can help you stop foreclosure and salvage your credit. Options include:

  • Short Sale: Sell your home for less than you owe, with lender approval.
  • Deed in Lieu of Foreclosure: Transfer ownership to the lender in exchange for debt forgiveness.

Pro Tip: Be transparent with your lender throughout the sale process and ensure you understand how these options will impact your credit.

Homeowner shaking hands with a cash buyer in front of a house, symbolizing a hassle-free solution to stop foreclosure in Texas

Selling Your Home for Cash: A Quick Option to Stop Foreclosure

Alright, cue the cash buyer! You didn’t think we’d dive into foreclosure solutions without suggesting selling your house to a cash buyer, did you? But seriously—if you’ve exhausted other options and time is running out, selling to a reputable cash buyer could be the fast and effective solution you need to stop foreclosure in Texas.

When foreclosure is looming, traditional home sales can feel painfully slow and unpredictable. That’s where cash buyers come in, offering a quick, hassle-free path to regain control and peace of mind. If other avenues aren’t working, here’s why selling to a cash buyer might be your best move.

Why Cash Buyers Can Be Your Lifeline

1. Speed When You Need It Most

Cash buyers don’t need financing approvals or appraisals, so you can close in days instead of months. When foreclosure is just around the corner, this speed can save your credit and prevent the foreclosure process from moving forward.

2. Certainty in an Uncertain Time

Forget about deals falling through at the last minute. Cash buyers come ready with funds, so once you accept an offer, you’re on a clear path to closing. This reliability can ease the stress of an already challenging situation.

3. Skip Repairs and Showings

Traditional sales often require costly repairs and open houses, but cash buyers purchase homes “as-is.” No repairs, no staging, no parade of buyers—it’s straightforward and convenient.

4. A Fresh Financial Start

Selling to a cash buyer allows you to pay off your mortgage and settle other debts tied to your property. It’s a chance to avoid foreclosure, protect your credit, and potentially walk away with cash in hand for a fresh start.

5. Simplified, Hassle-Free Process

Say goodbye to mountains of paperwork. Cash buyers handle the details, so you can focus on your next steps instead of navigating a maze of legal and financial hurdles.

6. Privacy and Discretion

Avoid the spotlight of public listings and open houses. Selling to a cash buyer offers a quiet, private way to resolve your situation without unnecessary attention.

7. Flexibility to Suit Your Needs

Cash buyers can work with your timeline. Whether you need to close quickly or require more time to plan your next move, they can accommodate your schedule.

Finding the Right Cash Buyer: Key Tips

Not all cash buyers are created equal, so it’s important to choose one you can trust. Here’s how to find a reputable, reliable buyer:

1. Look Beyond the Flashy Ads

Scroll past the paid ads at the top of search results and focus on companies with a strong reputation and organic rankings. These buyers often rely on excellent service, not just ad dollars, to build their business.

2. Check Reviews and Ratings

Explore online reviews and testimonials. Look for consistent praise regarding professionalism, responsiveness, and fair offers.

3. Dive Into Their Company Info

A trustworthy buyer will be transparent about their mission, experience, and values. If their “About Us” page feels vague or generic, consider looking elsewhere.

4. Go Local

Local cash buyers understand the El Paso market and neighborhood values. They’re more likely to offer fair deals and streamline the closing process.

5. Prioritize Clear Communication

A reputable cash buyer will be easy to reach, answer questions directly, and communicate honestly. If they’re evasive or unresponsive, it’s a red flag.

How to Work With Your Lender When Selling for Cash

Selling your home for cash can simplify the foreclosure process, but keeping your lender in the loop is essential. Here’s how to work effectively with your lender:

1. Be Transparent Early On

Inform your lender about your intention to sell as soon as possible. Transparency can foster cooperation and may even encourage the lender to halt foreclosure proceedings temporarily.

2. Request a Payoff Statement

Ask for the total amount needed to pay off your mortgage and any related fees. This gives you a clear financial target for your sale.

3. Explore Short Sale Negotiations

If the cash offer doesn’t fully cover what you owe, some lenders may agree to a short sale. This arrangement forgives part of the debt, and experienced cash buyers can often assist in these negotiations.

Making the Move: A Smart Cash Sale

Selling to a cash buyer can be the simplest and quickest way to stop foreclosure. It’s fast, discreet, and avoids the common hurdles of traditional sales. To ensure a smooth process, work with a buyer who has a strong reputation, local expertise, and clear communication.

Want to learn more about how a cash sale works? Visit our How It Works page to see how we can help you navigate this process with confidence and ease. Let us make this transition as seamless as possible so you can focus on starting your next chapter.

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We're Your Fast, Hassle-Free Solution!

If you’re feeling like selling your home fast is the right move, we're here to make the process smooth, straightforward, and stress-free. Our experienced team has helped homeowners just like you take control and move forward quickly, with no hidden fees or unnecessary hurdles. Ready to explore how it all works?

Part 6: Legal Protections Every Homeowner Should Know

Facing foreclosure is already a tough situation, and the legal complexities can feel overwhelming. But there’s good news: Texas has several built-in protections for homeowners, along with federal programs and legal rights that can help you navigate the process. Let’s break it down so you know where you stand and how to move forward.

Your Legal Rights in Texas Foreclosure

Texas foreclosure laws are designed to give homeowners a fair chance to address the situation before losing their homes. Here are the key protections:

1. Pre-Foreclosure Notice

Your lender is required to send you a “breach letter” before starting foreclosure proceedings. This letter gives you at least 20 days to catch up on missed payments—a critical window to act and avoid further escalation.

2. Reinstatement Rights

If you can pay the overdue amount (plus any applicable fees) within the cure period outlined in the pre-foreclosure notice, you have the right to reinstate your loan. This effectively halts the foreclosure process and puts you back on track.

3. Notice of Sale

For non-judicial foreclosures (the most common type in Texas), lenders must send a Notice of Sale via certified mail at least 21 days before the foreclosure auction. This notice includes the auction date, time, and location, typically at the county courthouse.

4. Protections for Military Servicemembers

If you’re on active duty, the Servicemembers Civil Relief Act (SCRA) provides additional safeguards, including extra time to prevent foreclosure and legal protections even after returning from service.

Judicial vs. Non-Judicial Foreclosure in Texas

In Texas, lenders can foreclose on a home through one of two processes:

Non-Judicial Foreclosure

This is the faster and more common route. It skips court proceedings but requires lenders to follow specific steps, such as sending notices and filing documents with the county clerk. Most non-judicial foreclosures occur on the first Tuesday of each month at the courthouse.

Judicial Foreclosure

Used less frequently, judicial foreclosure requires the lender to file a lawsuit and gain court approval before proceeding. This process applies mainly to home equity loans and certain tax-related foreclosures. While slower, it gives homeowners an opportunity to contest the case in court.

Federal Protections for Homeowners

Federal programs can provide an extra layer of support, particularly during financial hardship. Here are two key resources:

Home Affordable Modification Program (HAMP)

This program helps eligible homeowners modify their loans to reduce monthly payments, making them more manageable. HAMP is ideal for those who have experienced a financial hardship but can sustain adjusted payments.

Service members Civil Relief Act (SCRA)

For active-duty military members, the SCRA prevents foreclosure without a court order and may allow you to adjust payment terms temporarily. It’s a critical lifeline for servicemembers and their families.

Avoiding Foreclosure Scams

Unfortunately, foreclosure can attract scammers who prey on vulnerable homeowners. Here’s how to protect yourself:

Red Flags to Watch For:

  • Upfront Fees: Legitimate assistance doesn’t require payments upfront. Avoid anyone demanding fees to “save your home.”
  • Pressure Tactics: Scammers often rush you into signing documents without giving you time to review them.
  • Fake Programs: Verify any program claims directly through official websites, especially if they sound too good to be true.
  • Direct Payment Requests: Never pay a third party instead of your lender. Legitimate solutions involve working directly with your mortgage company.

If you suspect a scam, report it to the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB).

Additional Resources for Homeowners in Distress

If you’re feeling lost, there are free and low-cost resources to guide you:

HUD-Approved Housing Counselors

Certified by the Department of Housing and Urban Development, these counselors provide free, personalized advice. They can help you evaluate your options and create a foreclosure prevention plan.

  • Find a Counselor: Visit HUD’s website or call 800-569-4287.
  • HOPE Hotline: Available 24/7 at 888-995-HOPE (4673).

Legal Aid and Foreclosure Attorneys

If your situation requires legal intervention, foreclosure attorneys can help you navigate complex rules or contest improper actions. Many nonprofits and legal aid organizations offer free or affordable services.

Useful Contacts for Immediate Help

Take Control of Your Situation

Navigating foreclosure is daunting, but understanding your rights and utilizing available resources can make all the difference. Whether it’s contacting a HUD counselor, seeking legal aid, or exploring federal assistance programs, help is within reach. Don’t hesitate to act—every step you take brings you closer to stop foreclosure, protect your home and rebuild your financial future.

Happy homeowner shaking hands with a compassionate cash home buyer in front of a house, symbolizing successful foreclosure assistance in Texas

Part 7: How We Helped Homeowners Stop Foreclosure in Texas

Foreclosure can feel isolating, overwhelming, and like there’s no way out. But take heart—relief may be closer than you think. For over a decade, we’ve been helping homeowners navigate tough situations and stop foreclosure in. Whether through a cash offer, selling assistance, or expert guidance, our goal is simple: to help you regain peace of mind.

Here are a few real-life stories that show there’s light at the end of the tunnel.

A Single Mom’s Race Against Time

One case we’ll never forget involves a single mother who was just weeks away from foreclosure. Unsure of her options, she had been letting the process move forward, almost to the point of no return. She was juggling so much that taking action felt impossible—until a family member suggested exploring cash buyers.

When she reached out to us, we acted fast. Partnering with a reliable title company that understands the urgency of foreclosure cases, we expedited the process. Within a week, we had purchased her home, closed the deal, and given her the financial means to start fresh.

Seeing her relief as the weight of foreclosure was lifted reminded us exactly why we do what we do.

Helping a Couple Save Their Investment

A couple we worked with had fallen two months behind on mortgage payments. Although they were maintaining their home, the financial strain was growing, and they wanted a solution that allowed them to protect their investment while walking away with some cash.

After assessing their situation, we realized a fast cash sale wouldn’t be their best option. Instead, as licensed real estate professionals, we conducted a thorough market analysis and listed their home at fair market value. By finding an owner-occupant buyer, we helped them sell at top dollar.

In the end, they were able to clear their mortgage and walk away with over $20,000. They told us this fresh financial start was exactly what they needed—and knowing we had maximized their home’s value brought them peace of mind.

Supporting a Widow’s Fresh Start

Another homeowner we helped was a widow from West El Paso. After her husband’s passing, she fell behind on her mortgage, and the house slipped into disrepair. By the time she reached out, she was three months behind on payments, and foreclosure proceedings had already begun.

Her situation required speed and compassion. We made her an offer that exceeded her initial expectations, which allowed her to settle debts, cover relocation costs, and move closer to family. We also worked directly with her lender to inform them of the pending sale and negotiated extra time to complete the process.

It was an honor to help her transition with dignity and financial stability.

A Message of Encouragement: Foreclosure Is Just a Hurdle

Facing foreclosure can feel overwhelming, but it’s important to remember this: foreclosure is not the end. Too often, we see homeowners hesitate to ask for help and lose their homes because they waited too long to act.

Here’s the truth: Banks and mortgage companies would rather work with you than move forward with foreclosure—it’s in their best interest to keep loans active.

So whether you’re just beginning to fall behind on payments or are already deep into the foreclosure process, know that there are options and people who genuinely want to help.

These stories are proof that a fresh start is possible, and we’re here to help you make the next chapter of your life a positive one.

Let’s take this journey together.

“Wonderful service. The Karams were respectful, helpful, and went above and beyond both to ensure we were paid fairly for our house and to work with the title company through a very stressful time. We can't thank them or sing their praises enough.

Ireta Craft. El Paso, Texas
5-stars (1)

"We Buy Casa gave us a fair cash offer and bought our home before the bank foreclosed. They helped guide us to coordinate with the bank to give us time to sell the house and pay off the balance while helping us walk away with money in our pocket. We can’t thank Evan and We Buy Casa enough for their help. Thank you"

Rosee Corchado - El Paso TX
5-stars (1)

"Muy professional, el proceso es rapido, y Evan is muy amable. Gracias"

Vianney Gameros - El Paso TX
5-stars (1)
A roadmap with two paths labeled 'Foreclosure Alternatives' and Sell Fast, taking steps to stop foreclosure in Texas and leading to a fresh start

Bringing It All Together: Your Fresh Start Awaits

You’ve just equipped yourself with a wealth of knowledge, actionable steps, and a clear roadmap to stop foreclosure head-on. It’s a challenging process, no doubt, but now you’re armed with the tools and confidence to take control of your situation.

Here’s what matters most: you have options. Whether it’s negotiating with your lender, working with a HUD counselor, or selling your home to stop foreclosure, the power to shape your future is in your hands.

Your Game Plan at a Glance

  1. Assess Your Finances Honestly
    Take stock of your income, expenses, and debts. Knowing where you stand financially is the first step toward creating a solid plan.
  2. Act Early and Reach Out
    Time is your most valuable resource. Call your lender, connect with a housing counselor, or explore professional help before things escalate.
  3. Stay Organized and Persistent
    Keep meticulous records of all conversations, agreements, and documentation. This isn’t just about staying on top of things—it’s about taking charge of your future.
  4. Explore Your Options Fully
    From loan modifications to cash sales, weigh every alternative and choose the one that aligns with your goals. There’s no one-size-fits-all solution—this is your journey.
  5. Don’t Be Afraid to Ask for Help
    Pride and fear can hold you back, but resources exist to guide you every step of the way. Whether it’s a community program or trusted cash buyers, help is just a call or click away.

A Final Word of Encouragement

Foreclosure doesn’t define you—it’s a hurdle, not a dead end. This chapter may feel overwhelming, but it’s also an opportunity to start fresh, rebuild, and regain your financial stability.

So, take that next step with confidence. Whether you’re reaching out to your lender, calling a housing counselor, or exploring how we can help, know that you’re not alone. We’re here to support you, guide you, and help you take control of your future.

Your story isn’t over. It’s just beginning.

Ready to take action? Let’s make this next chapter your comeback story. You’ve got this.

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Evan Karam