Moved out and still owe the mortgage
You already left. Another city, a rental, a relative’s place. The house in Katy, Sugar Land, Richmond, or Missouri City is sitting. Payments stopped, or they were already behind. Empty is not a pause. The servicer still has a loan. Texas still has a first Tuesday. You still own it until the trustee sells it.
People think “nobody lives there, so they will wait.” They will not. Vacant is often faster, not slower. Insurance gets force-placed. The posting still happens. A short sale still needs time. If the Fort Bend clerk packet is already filed, the window is the notice, not “when we get around to listing it.”
We buy the house as-is. We do not need it occupied. We do not need it pretty. Cash if the payoff works. A short sale if you owe more than it will sell for. We are the buyer, not your agent.
Talk about selling the empty house. We do not stop a foreclosure sale. If the goal is to keep it, that is not us — free help.
What the statute actually says
Vacant is not a pause. Notice under Property Code § 51.002 is served by certified mail to the debtor’s last known address. Service is complete when it is deposited in the mail — § 51.002(e) — not when you happen to be living in the house.
The sale is still the first Tuesday. You still own it until that sale is completed. Empty often means force-placed insurance and a faster posting, not a courtesy delay. We buy as-is. We do not need it occupied.
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