Lubbock Foreclosure Questions
These are general informational answers. Your loan documents, notices, servicer, title work, and professional advisers control your specific situation.
Discuss an as-is sale option
Tell us the property address, the notice you received, the stated sale date, title concerns, and property condition. A direct sale is only one possible option.
Can you stop my foreclosure?
We cannot promise to stop or postpone a foreclosure. We can evaluate whether an as-is purchase may be possible. Cancellation or postponement must come from the authorized lender, servicer, trustee, court, or other responsible party.
How much time do I have?
The answer depends on the loan, delinquency, notices, scheduled sale, loss-mitigation status, and Texas or federal rules that apply. Use the date on your actual documents and confirm it directly with the servicer or a qualified attorney.
Should I contact my mortgage servicer?
Yes. Ask about reinstatement, repayment, forbearance, modification, deferral, payoff, and every available loss-mitigation option. Keep written records.
Can I sell after receiving a notice of sale?
A sale may still be possible when there is enough time, equity, clear authority to sell, title cooperation, and a buyer able to close. A signed contract alone does not stop the auction.
What if I owe more than the property is worth?
A normal sale may not produce enough to pay the loan and costs. Ask the servicer whether a short sale or another loss-mitigation option is available. Lender approval is generally required.
What if there are taxes, liens, or deceased owners?
Tell the buyer and title company immediately. Payoffs, releases, probate authority, heirship documents, court orders, or additional signatures may be required and can affect timing.
Is this legal or financial advice?
No. We are real estate investors. Consult qualified legal, financial, tax, housing-counseling, or mortgage professionals about your specific rights and options.
Discuss an as-is sale option
A direct investor purchase does not automatically cancel, postpone, or stop a foreclosure. The loan must be resolved, paid through closing, or the lender, servicer, trustee, court, or other authorized party must confirm the applicable action.
Contact your mortgage servicer, a qualified Texas attorney, or a HUD-approved housing counselor promptly when a deadline or scheduled sale is involved.