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Avoid Foreclosure Houston

When you need to avoid foreclosure, selling your house might be your best bet to save your credit.

Oftentimes homeowners don’t realize that selling is an option when they default on a loan.

Foreclosure is a heartbreaking process that can make people feel vulnerable and helpless. However, it is not a hopeless situation. As they look for solutions for their problem, people often wonder, “Can I sell my home in foreclosure?”

The short answer is yes, you can. Up until the house sells at auction, you can rescue your credit by selling your home and paying off what you owe.

What Is Foreclosure?

The foreclosure process begins when the lender issues a notice of default after you miss several payments. This process can take anywhere from six months to a year or more. In part,, this depends on the negotiations between you and your lender. Learn more about the process and the truth about pre-foreclosure.

Ways to Avoid Foreclosure: Houston Homeowners Have Options

If you are behind on payments, there are a few options that your lender may be able to offer you to help you avoid foreclosure. Before making a decision, make sure you understand the full implications of your choice. Consider seeking legal advice from a local Houston attorney if you are in doubt.

Loan Modification

Mortgage lenders have the option to adjust the terms of your loan as a means of bringing your loan current. Oftentimes, this method lengthens the period of your loan in exchange for a lower interest.

Short Sale

When your lender allows you to sell your house for less than the outstanding amount, we call it a short sale. In this option, they allow you to sell the house and forgive any remaining debt. However, they also keep all the proceeds from the sale. Here you have the option to work with a local real estate agent who understands short sales or a professional Houston home buyer.

Reasons People Face Foreclosure

Oftentimes, those who find themselves attempting to avoid foreclosure in Houston are there due to unforeseen circumstances. Any number of reasons can cause someone to lose track of or miss mortgage payments.

Loss of job or unexpected income loss

A death in the family

Divorce or the loss of their partner’s income

An inability to afford adjustable interest rates that increase

Balloon payments

Demotions or denial of promotions

Excessive debt

Unexpected medical costs

Home maintenance costs

No matter what has left you facing foreclosure, it’s important to understand that you have options. Talk with your lender and seek legal council to determine how much time you have. Then make a plan to either pay off the debt or sell the house to prevent the foreclosure from impacting your credit and ability to purchase in the future. If you choose to sell, consult a member of our team for a cash offer in a Square. These quick offers allow you to sell your house fast and pay off your loan before foreclosure.

Be Careful of Foreclosure Rescue Scams

Up until the house sells at auction or the bank takes possession of it, you have the option to sell your house. People often refer to this period as “pre-foreclosure,” and you have the opportunity to settle your debts with the lender.

One option to avoid foreclosure is to sell your home and net enough money to pay off what you owe. When you get a decent offer, this can include back payments, penalties, and fees. While you won’t own your house anymore, it won’t foreclose, saving you serious damage to your credit and enabling you to find a new place with your intact credit.

Should you decide to sell your Houston home, let your lender know your plan. Whether you want to sell to a Houston home buyer or list with an agent, tell them you plan to use the money to pay off your mortgage. Some lenders will offer to postpone any auctions or sales to give you time to find the right buyer.

Homeowners trust us as premier home buyers in Houston because we make it easy to sell your property. No matter your reason to sell, we buy houses in any condition as they are. That means you never have to make extensive repairs and no cleaning, decluttering or staging is necessary.

If you have a problem home in the Greater Houston Area, or just want to sell your home quickly and hassle free, contact our team for a no-obligation cash offer from a firm you can trust.

Cash Home Buyers Houston Trusts: A Clear, Simple Process

At Square One Offer, we strive to make the process easy, straightforward, and hassle-free. With our cash home buyers, Houston homeowners have a simple process to follow. Backed by decades of experience working in Houston, homeowners rely on us for clear communication and transparent offers. We offer an experience that other companies don’t have with a level of service and personalization they can’t offer.

There’s no need to wonder “who wants to buy my house?” or “how do I sell my home for cash?” Look to Square One Offer and sell your house in as-is condition.


We Come to You

Get a Cash Offer on Your House in 24 Hours

Accept Our Offer & Get Cash in a Square!


Real estate agents list properties and show them to prospective buyers (if there are any). If they’re able to make a sale, they take a percentage of the sale price as their commission. In many cases, a real estate agent’s commission is 3 to 6%. This means, if your house sells for $100,000, you have to pay between $3,000 to $6,000 in commissions. If you don’t have the time, patience, or ability or sell through a traditional agent, that’s where Square One Offer can help. We’re not agents – we’re home buyers. Since we’re buying the house directly from you for cash, we can buy your house fast. We make our living by taking the risk to buy the house with our own cash, fix it up, and market it ourselves to find a buyer.

The closing date is flexible most of the time. If we sign a contract and you need several months to prepare for your move we are willing to work with you. There is NO PRESSURE from us to close by any particular date and we will accommodate your needs to the best of our ability. Also, we may be able to lease the property back to you after closing for a short time.


Once we can set a date for closing you will know the exact date to schedule your move. Closing is when the final papers are signed, you receive your money, and when ownership transfers out of your hands. By this time, the house should be empty and vacant unless we make other arrangements based on your specific needs. We begin the process of repairs and maintenance on the property immediately after closing and anything left behind will be donated to charity or disposed of.

At Square One Offer, we are professional home buyers. we buy houses that meet our purchasing criteria. Once we have purchased a house, we spend the time and money to repair the house and resell it to another homeowner. Although we have licnesed agents that can help list your home our primary strategy is to give you a cash offer. Sometimes the home or situation the homeowner is in doesn’t constitute a quick closing where the homeowner can wait more time to get more money by listing the house on the open market.

 We are 100% transparent with our process! The houses we purchase are below market value so we can resell them at a profit after we make the necessary repairs and updates. In our experience, our clients aren’t looking for a large “windfall” on their property. They want to be able to sell their house fast, for a fair cash price, and with as little hassle and stress as possible. They are not looking to spend the time or money to fix up the property or pay agent fees and closing costs. If this sounds like you, give us a call today, and let’s see if we can come to a fair price that’s a win-win for both parties. Our no-obligation offer means that we won’t hassle you once we make you an offer. Whether you decide to move forward or wait, the process is up to you

No, not unless there is a major repair that is uncovered during the inspection that was otherwise unknown. Our buyers have years of industry experience and know what issues to look for.


Please beware of other companies who offer to purchase your home without physically seeing it. These companies are likely to change their offer and/or pull out of the contract all together leaving you in a poor position. Similarly, read the language in the contract. Check for contingencies, verbiage that allows them to reduce the offer and or an option period.

This is why we visit every home in person when we make free cash offers on homes to give the highest and most fair offer.

While walking the property with you, our agents will ask about the condition of certain items while visually inspecting them. The more honest you can be with them the better. This will ensure that there are no ‘gotchas’ in the inspection period and that your offer stays the same.

Square One Offer home buying process is simple we look at four things when valuing your home.

  • Property condition

  • Repairs needed

  • Property location

  • Value of comparable renovated properties in the area

Great question, you’ll sign a purchase agreement, we open title at a reputable title company, received pay off’s, clear any title defects, and close once title is clear.