The problem
The foreclosure clock is faster than most homeowners realize
Once your lender files a Notice of Default, things move quickly in Texas. Non-judicial foreclosures here can wrap up in as little as 41 days from posting. Missed calls become certified letters, certified letters become auction notices, and the pressure just keeps building.
- Late fees and legal costs stacking on top of what you already owe
- A foreclosure that can drop your credit by 100 to 160 points and follow you for seven years
- Constant calls from your servicer's loss mitigation department
- Neighbors and family finding out through public postings
What to expect
What to expect when you sell a pre-foreclosure house in San Antonio
Once your Notice of Default is filed at the Bexar County courthouse, the countdown is public and the mail volume gets loud. Selling to a cash buyer before the sale date puts you back in control. Here is what the process looks like on our end so nothing catches you off guard.
- We pull your county records the same day, confirm the sale date, and map the payoff
- Your loan servicer's loss mitigation team gets a written payoff request from our title company
- We schedule closing at least 3 business days before the auction so the payoff wire lands in time
- The trustee's sale is called off, and you leave closing with whatever equity remains after payoff
How it works
Three steps to a cash sale in San Antonio
Send us the basics
Address, your rough loan balance, and how much time you have. 90 seconds.
Get your cash offer in 24 hours
We compare recent sales in your neighborhood and factor in the payoff. Real number, no obligation.
Close before the auction
Our title company handles the payoff. You sign, you leave with cash, the foreclosure is called off.
A story like this one
Composite example, based on real San Antonio pre-foreclosure closings
A Southside homeowner three payments behind reached out 18 days before their scheduled Tuesday auction. We toured the house on day two, sent a written offer on day three, and closed at a Stone Oak title company on day 14. The lender was paid off the same afternoon, the auction was pulled, and the seller walked with about $22,000 of equity that a foreclosure would have wiped out. Names and figures are illustrative and marked as a placeholder until real seller stories are approved.
The Legacy Promise
What we promise every facing foreclosure seller
Same five commitments, every deal, whatever the situation looks like on paper.
A fair cash offer, always
The number we quote is the number we close at. We show the math, and we don't cut it after inspection.
As-is, no repairs
Foundation cracks, deferred maintenance, tenant damage, hoarder situations. We buy the house exactly as it stands.
No fees, no commissions
Zero closing costs on your side. No agent commissions, no junk fees, no surprise deductions at signing.
Close on your date
Seven days if you need it fast. Ninety if you need time. We work around your calendar, not ours.
Straight, honest answers
No high-pressure tactics. If a traditional listing serves you better, we'll tell you and point you to a good agent.
Common questions
Straight answers about this situation
Can you really buy my house before my auction date?+
Usually, yes. If you have at least 10 to 14 days before the sale date and clean title, we can close in time and pay off your lender directly. Reach out sooner rather than later. The earlier we start, the more options you have.
Will selling to you protect my credit compared to a foreclosure?+
Yes, significantly. A completed foreclosure typically drops a credit score by 100 to 160 points and stays on your report for seven years. A sale that pays off your loan shows up as a normal paid-off mortgage.
What if I owe more than the house is worth?+
Come talk to us anyway. We can sometimes negotiate a short sale with your lender, or find creative financing that still gets you out from under the loan without a foreclosure on your record.
Do I have to pay any fees or back payments upfront?+
No. Zero out-of-pocket. Missed payments, late fees, and attorney costs all get paid from the closing, not from your wallet.
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