Behind on the mortgage and want to sell
Behind on the mortgage is not the same as posted. You missed payments. The servicer may have sent default letters. The clerk packet may not exist yet. That is the file we actually close.
People wait because they think they will catch up. Some do. Most do not. Fees start. Then a notice of sale. Then the first Tuesday. “I’ll sell if it gets that far” is how the out dies.
If you cannot pay and you want out, we buy Houston-metro houses as the purchaser. Cash if the numbers work. A short sale if the lender has to take less than you owe. We negotiate our price because we are the buyer on the contract. We do not represent you.
Sugar Land, Katy, Richmond, Rosenberg, Fresno, Fulshear, Stafford. Same purchase. Talk about selling. If you intend to keep it, that is not us — free help is a different door.
What the statute actually says
Missed payments are not yet the auction. Before a residence can be posted for sale, Texas Property Code § 51.002(d) requires written notice by certified mail that the debtor is in default and “at least 20 days to cure the default before notice of sale can be given.”
That 20-day letter is the start of the fee stack, not a pause you can ignore. Once the later 21-day notice of sale goes out under § 51.002(b), the first Tuesday is on the page. Behind is still the better window to sell while you are the seller.
Statute links are the official text. This site is not a law firm. We buy houses. We do not give legal advice.
We do not stop a foreclosure sale. We are the buyer, not your agent.
Related: Is this house in foreclosure? · Sell a house in foreclosure · How we buy · Default letter · Owe more than it is worth · Fort Bend sale months