Your foreclosure options
Every Situation Is Different. Here Are Your Options.
We believe you deserve to understand every path available to you. Below, we've outlined the most common solutions we help Texas homeowners with. During your free consultation, we'll determine which options apply to your specific situation.
Loan Modification
Stay in your home with new terms
A loan modification moves your past due balance to the back of your loan, extending your payment period by 10-20 years. While this keeps you in your home, be aware: interest rates typically increase to 7% or higher, and you'll pay hundreds of thousands of dollars more in interest over the life of the loan. Only a small percentage of homeowners qualify, but we can help expedite the process if you do.
Best for: Homeowners who qualify and want to stay in their home, despite long-term cost implications.
Key Benefits
- Keep your home and stay where you are
- Avoid foreclosure auction
- Potentially lower monthly payment (initially)
- We help expedite the qualification process
Cash Offer / Quick Sale
Sell your home fast, on your terms
Many homeowners sell their home before the foreclosure auction — and that's often the smartest move. We can purchase your property directly with our own funds, no waiting for bank approvals, no real estate commissions, and no uncertainty. You control the timeline and walk away with cash in hand to start fresh.
Best for: Homeowners who need to sell quickly and want to avoid the foreclosure auction.
Key Benefits
- We purchase with our own funds
- Close on your timeline — often in days
- No real estate agent commissions
- Walk away with cash and a clean slate
Creative Sale Options
Innovative solutions that could keep you home
Creative sale options like our credit repair program or equity protection program can help you stop the auction, stay in your home for a period of time, and even earn money from the sale. These tailored solutions explore every possibility to keep you in control of your situation.
Best for: Homeowners looking for innovative solutions beyond traditional sale or modification.
Key Benefits
- Stop the foreclosure auction
- Potentially stay in your home longer
- Earn money through creative arrangements
- Fully customized to your situation
Short Sale Negotiation
Sell for less than you owe — with lender approval
If you owe more than your home is worth, a short sale allows you to sell the property for less than the remaining mortgage balance. We negotiate with your lender to accept the reduced amount and release you from the remaining debt. This is often a better alternative than foreclosure for your credit.
Best for: Homeowners who owe more than their home is worth and cannot afford to continue payments.
Key Benefits
- Avoid foreclosure on your credit report
- Potentially eliminate remaining mortgage debt
- Less credit damage than a full foreclosure
- Move forward without the burden of an underwater mortgage
Bankruptcy
A last resort option with serious implications
Bankruptcy can temporarily delay foreclosure through an automatic stay, giving you a short period of time. However, bankruptcy has very harsh credit implications that can affect your finances for 7-10 years. While it may buy time, it's not a solution — it's a delay. We help you understand this option, but we explore every other path first.
Best for: Only as a last resort when all other options have been exhausted.
Key Benefits
- Temporarily delays foreclosure (short-term only)
- Automatic stay halts collection actions
- Time to explore other options
- Connected with trusted legal professionals
Relocation Assistance
A fresh start with support
Sometimes the best decision is a fresh start. If you decide that moving on is the right choice, we don't just leave you to figure it out alone. We provide relocation assistance to help you and your family transition to a new home, including help finding rental housing and moving support.
Best for: Homeowners who are ready for a fresh start and want support through the transition.
Key Benefits
- Support finding new housing
- Help with the transition process
- Guidance on rebuilding your credit
- A compassionate team by your side
Credit Protection & Counseling
Minimize damage, maximize recovery
Foreclosure can devastate your credit score for years. No matter which option you choose, we provide guidance on how to minimize credit damage and start rebuilding. We help you understand what actions affect your score and create a plan for recovery.
Best for: All homeowners — credit protection is part of every solution we offer.
Key Benefits
- Understand how different options affect your credit
- Get a personalized credit recovery plan
- Learn strategies to rebuild faster
- Free credit counseling included
Not Sure Which Option Is Right for You?
That's completely normal — and exactly why we're here. Every homeowner's situation is unique, and the best option for you depends on factors like your timeline, equity, income, and personal goals. During your free consultation, we'll review your specific circumstances and walk you through which options are available to you.
Remember: our guidance is always free, and there's never any obligation. We're here to help you make the most informed decision possible.
Let's Find the Right Solution for You
The first step is always the hardest. But once you pick up the phone or book a call, you'll have a team in your corner fighting for the best outcome.