04/25/2026
A foreclosure sale date does not always mean it is too late. If there is still equity in the property, you may have many options. Many people think bankruptcy is the solution, but it is usually not the best answer.
In the first quarter of 2026, foreclosures rose by about 25% nationwide, and Texas is leading the country. With this increase in filings, many of these are more recent defaults, with only 4 or 5 months of default, or involve properties that still have a good bit of equity in them, meaning that there is still an equity window available. As foreclosure cases progress, that equity window begins to close. But when there is equity in the property, many homeowners still have time to work out a solution—whether that means pursuing loss mitigation or getting the property on the market to cash out the equity and avoid the major credit hit of a foreclosure or bankruptcy.
And by getting the house on the market, I by no means mean selling to that "investor" offering a quick-cash closing. A good rule of thumb: never sell to someone making cold calls or knocking on your door asking if you want to sell your house. Sure, they might be able to close quickly — and this is a pretty big "might." Most of these investors are just trying to get a property under contract for a ridiculously low price so they can try to sell the contract to someone with cash for an assignment fee.
If you need to sell, the way to do it is to halt the foreclosure and get the house on the market for a few months, so you can sell at a good price. That way, you can keep your equity instead of giving it away to someone else who is taking advantage of the pressure you are under. This is how we can help.
Another type of foreclosure that we see a lot of is estate foreclosure. Adult children—often Gen X—are dealing with a parent’s home after death, and the property is tied up with a reverse mortgage or home equity loan. These cases require a coordinated approach, involving defending the property from foreclosure, probate work, lender communication, and a solid sale strategy.
Again, stay away from the cold callers and door knockers. Don’t give the house away for a song. Your parents worked hard for that equity, and now they can pass it on to their kids. Or maybe someone in the family wants to take over the property and refinance. We help with those too.
We have helped countless homeowners and families halt foreclosures and find practical solutions that avoid both foreclosure and unnecessary bankruptcy. This is what we do. If you know someone in trouble—or if you are—reach out before that equity window closes. Call us at (281) 954-6270. Do not assume it is too late because a sale date
