Behind on payments?
You still have options.
If you're facing the Texas 21-day notice window, take a breath. There's no judgment here, just a clear look at what you can still do to protect your equity and your credit. We'll walk through it with you, kindly and confidentially.
In short: if you're behind on payments in Houston, you usually have more options than you think: reinstate the loan, sell before the auction to pay off the bank, or a tailored plan. Talking it through with us is free, confidential, and carries no obligation. What you walk away with is a clear picture of your real choices and dates, before any of them expire.
You'll talk directly with Maxwell or Logan.
A local family, not a call center. Everything stays confidential.
Stop your foreclosure
Compare your selling paths and protect your equity today. No pressure, no fees to find out.
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Behind on payments doesn't mean out of options
Foreclosure is stressful, but waiting is what limits your choices, not where you are today. The sooner we talk, the more paths stay open. Reaching out costs nothing and there's never any pressure.
The 21-day notice window
In Texas, you're generally entitled to at least 21 days' written notice by certified mail before a foreclosure sale, and sales are held only on the first Tuesday of the month (Texas Property Code §51.002). That window exists for a reason, it's your time to act, and it's often enough to put a real plan in place.
The minimum written notice you're generally owed before a sale.
The best day to start. Every day earlier keeps more options on the table.
General information only, not legal advice. Your exact dates and rights depend on your loan and notices, we'll help you make sense of them.
Four honest ways forward
No path is pushed on you. We lay them all out and help you choose calmly.
Reinstate the loan
Catch up the missed payments (plus fees) and bring the loan current. If you have the funds or a path to them, this stops the process and you keep your home.
Sell to stop the foreclosure
Sell before the auction date to pay off the bank. Done in time, this protects your equity and your credit far better than letting it go to sale.
A fast as-is cash sale
When the date is close, a quick cash sale can pay off the loan before the auction, no repairs, no listing, no showings. The fastest way to settle with the bank.
A tailored path forward
Sometimes the right move is a custom closing timeline or a combination of these options. We'll talk it through honestly, and only if it's right for you.
Compare your selling paths, honestly
When selling is the right move, here's what that can look like, tradeoffs included. And if keeping the home is realistic, we'll tell you that too.
Fast Cash Sale
Sell quickly as-is to pay off the bank before the auction. The honest tradeoff: a cash price is below full market value, that is what buys the speed and certainty.
Explore this path → When you have weeks, not daysListing Solution
List on the open market through Maxwell Buffamante, a licensed Texas REALTOR with eXp Realty, to chase the highest net. It usually pays more, but only if the timeline allows it.
Explore this path → When you're not sureCompare Your Solutions
We run the numbers on a cash offer next to a market listing so you decide with real figures, not guesses. Free, and the cash option stays on the table while you look.
Explore this path →Want to see the whole process first? Read how it works or reach out confidentially, no pressure, no judgment.
Auction date approaching fast?
If your sale date is close, don't wait it out alone. Call us directly and we'll act right away, gently, and fast.
Foreclosure help FAQ
Can I still sell if I'm already behind on payments?
Often, yes. Foreclosure is stressful, but waiting can limit your choices. We help you understand what you can do right now to protect your equity and your credit, including selling before the auction date to pay off the bank.
Will I lose all my equity?
Not necessarily. The goal is to protect your equity. We run the numbers on a fast cash sale versus a market listing so you can choose the path that keeps the most money in your pocket.
What if my auction date is very close?
Call us directly so we can act immediately. If your auction date is approaching fast, time matters, a quick as-is cash sale may be the fastest way to pay off the bank before the sale.
Does it cost anything to talk through my options?
No. The conversation is free, confidential, and comes with zero obligation. You will not be charged a fee to find out where you stand, and nothing we discuss commits you to selling.
Will you pressure me to sell my house?
No. Selling is only one of the options. If reinstating the loan or another path keeps you in your home and makes more sense, we will say so plainly. We would rather give you an honest answer than a quick deal.
What if I owe more than the house is worth?
There are still options, but they are different, and timing matters even more. A short sale with your lender may be one of them. Reach out and we will look at your real numbers together, honestly and without judgment.
Free guides for homeowners behind on payments
Knowledge buys you time and options. These plain-English guides cover the questions we hear most.
Protect your equity today
Free, no obligation, and completely confidential. Compare your selling paths and choose the way forward that's right for you.
Foreclosure help across the Houston metro
Pick your city for a local guide, or reach out for your free offer anywhere in the Greater Houston metro.
