Behind on Payments · Dallas, TX
Falling behind doesn't mean losing everything. Alpha Cash Buyers helps Dallas-Fort Worth homeowners sell fast for cash before foreclosure — close in as few as 7 days, pay off your mortgage at closing, and move forward.
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Setting the Standard
Time Is Critical
Texas has one of the most aggressive foreclosure timelines in the country. Once your lender files a Notice of Default, the foreclosure sale can happen in as few as 21 days. Unlike many states, Texas uses a non-judicial foreclosure process — meaning no court approval is required to take your home.
Every missed payment adds late fees, damages your credit score, and brings you closer to a foreclosure that stays on your record for 7 years. A foreclosure can drop your credit score by 100 to 160 points and make it difficult to buy another home, rent an apartment, or even secure certain jobs.
The good news: you still have options. If you act before the foreclosure sale date, you can sell your home, pay off your mortgage, protect your credit, and walk away with cash in hand. Alpha Cash Buyers specializes in helping homeowners in exactly this situation.
21 Days
Texas foreclosure can happen as few as 21 days after notice
7 Years
A foreclosure stays on your credit report
7 Days
Alpha Cash Buyers can close in as few as 7 days
Know Your Options
Your lender may agree to modify your loan terms — extending the length, reducing the rate, or adding missed payments to the balance. This can take 30 to 90 days and is not guaranteed.
A forbearance agreement pauses or reduces payments temporarily. However, you still owe the full amount later. This buys time but doesn't solve the underlying problem.
If you owe more than the home is worth, a short sale lets you sell for less than the balance with lender approval. This process typically takes 60 to 120 days and requires extensive paperwork.
Sell directly to Alpha Cash Buyers and close in as few as 7 days. Your mortgage is paid off at closing, you keep remaining equity, and there are zero fees or commissions. The fastest and most certain option.
When you're behind on mortgage payments, you need a solution that's fast, certain, and doesn't add more costs to an already stressful situation. Here's exactly how we help homeowners in Dallas-Fort Worth avoid foreclosure and move forward:
We can close in as few as 7 days. Because we buy with cash, there's no waiting for bank approvals, appraisals, or buyer financing. If you have a foreclosure sale date approaching, we prioritize your timeline and coordinate directly with the title company to get to closing as fast as possible.
The title company pays off your remaining mortgage balance directly from the sale proceeds at closing. You don't need to come up with any money. If there's equity remaining after the payoff, that cash goes directly to you.
When you sell to Alpha Cash Buyers, there are no real estate agent commissions (typically 5–6% of the sale price), no closing costs, and no hidden fees. Our offer is your net amount. When every dollar counts, this makes a real difference.
A foreclosure can drop your credit score by 100 to 160 points and remain on your credit report for 7 years. By selling before the foreclosure sale, you avoid that mark entirely. Late payments still affect your score, but the damage is far less severe than a completed foreclosure.
In Texas, if your home sells at a foreclosure auction for less than what you owe, your lender can pursue a deficiency judgment for the remaining balance. By selling on your terms before foreclosure, you control the outcome and avoid this risk.
A few of the 400+ homes we've purchased across Dallas-Fort Worth
The Process
Tell us about your property and situation. If you have a foreclosure date, let us know — we'll prioritize your timeline. We respond within a few hours.
We'll evaluate your property and present a transparent cash offer within 24 hours. We'll walk you through the numbers so you know exactly what you'll net after your mortgage is paid off.
Pick your closing date — as soon as 7 days. The title company pays off your mortgage directly. You walk away with any remaining equity as cash.
As few as 7 days to closing. We work around your foreclosure timeline to get you out safely.
Your remaining mortgage balance is paid directly through the title company at closing.
No agent commissions, no closing costs, no hidden charges. Our offer is your net amount.
Selling before foreclosure keeps that 7-year mark off your credit report.
Understanding the Texas foreclosure process is critical to protecting yourself. Here's what happens after you miss payments:
Day 1–30: Missed Payment. Your lender contacts you about the missed payment and assesses a late fee (usually 4–6% of the payment). After 30 days, the late payment is reported to credit bureaus.
Day 60–90: Notice of Default. After multiple missed payments, your lender sends a formal demand letter. This is your warning that foreclosure proceedings are being considered.
Day 90+: Notice of Sale. Texas law requires at least 21 days' notice before the foreclosure sale. The sale happens on the first Tuesday of the month at the county courthouse. Once the sale occurs, you lose the home.
The window to act is narrow. The earlier you contact us, the more options you have. Even if your sale date is days away, call us — we've closed deals on tight timelines before. Learn more about selling a home in foreclosure.
Compare Your Options
Every day counts. Get a no-obligation cash offer and find out how fast we can close.
We Buy Houses Across DFW
Every day matters. Get a no-obligation cash offer and find out how quickly we can close — before your deadline.
No fees · No obligation · Close in as few as 7 days · Response within 24 hours
Helpful Resources
Dealing with a related situation? Foreclosure · Tax Liens · Divorce Sale
