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What Is Pre-Foreclosure and What Are Your Options?
Understanding Pre-Foreclosure
Pre-foreclosure is the stage before a lender officially repossesses a home due to missed mortgage payments. Typically, after three to six months of missed payments, the lender will issue a notice of default, which means foreclosure proceedings will begin if the loan is not repaid or the property is not sold.
Many homeowners assume that once their house enters pre-foreclosure, they have no choice but to lose their home to the bank. However, in Texas, homeowners can still sell their house up until the foreclosure auction date, making a fast sale the best way to avoid foreclosure and its damaging consequences.
What Happens If You Do Nothing?
If foreclosure is not stopped, homeowners face serious long-term financial consequences:
- Credit damage – A foreclosure stays on your credit report for seven years, making it difficult to secure a future mortgage or loan.
- Eviction – Once foreclosure is finalized, you will be required to vacate the property, often on short notice.
- Debt liability – If the home is sold for less than what is owed, lenders may sue for the remaining balance, adding financial hardship.
The good news? You don’t have to let foreclosure happen. Selling your house before the process is complete can protect your credit and put cash in your pocket instead of leaving you with nothing.
See What Homeowners in McAllen, Texas, Are Saying
We’ve guided countless homeowners in McAllen, Texas, to sell their houses quickly and easily. Here’s what some of them had to say about working with TWB House Buyers:

"I was in a bad situation, and Jason helped me out so much. A really good person with an open heart to help others. Thank you so much for your help!"
Salvador Sanchez
McAllen, TX

"Jason has been a very good help with any questions we have had. Very friendly and helpful and has always taken care of any questions we have."
David Corpus
McAllen, TX

"TWB House Buyers was fast and made the process of selling my home so easy and stress-free. Definitely recommend them to anyone looking to sell their home."
Eric Escobedo
McAllen, TX
Get Your Free Cash Offer Now!
Fill out this form to get your no-obligation all cash offer started!
Get Your Free Offer TODAY!
Fill In This Form To Get Your No-Obligation All Cash Offer Started!
How to Sell Your House in Pre-Foreclosure in McAllen
Step 1: Know Your Timeline
Once a lender begins foreclosure proceedings, time is limited. Homeowners in Texas have until the foreclosure sale date to find a solution, which is usually 90-120 days after receiving a notice of default. Acting quickly ensures you have the best chance of selling your home before it’s too late.
Step 2: Understand That Selling Is Still an Option
Many homeowners assume that because their house is in pre-foreclosure, they cannot sell or that no buyer will be interested. This is not true. TWB House Buyers purchases homes in pre-foreclosure for cash, allowing homeowners to sell quickly, avoid credit damage, and walk away with money instead of debt.
If you have an inherited house in Texas, learn some things you need to know before selling it.
Step 3: Avoid Traditional Listing & Sell to a Cash Buyer
Selling through a realtor is not an effective solution for pre-foreclosure because:
- Traditional home sales take too long – Most houses stay on the market for 45-90 days before selling, which is often too late to stop foreclosure.
- Realtors charge commissions – In a financial crisis, paying 6% in agent fees can be unaffordable.
- Buyers require financing – Many buyers need bank approvals, and loans can fall through at the last minute, delaying your sale.
Instead, selling directly to a cash home buyer like TWB House Buyers ensures:
- A guaranteed sale with no risk of financing delays
- A closing in as little as 7 days
- Zero commissions, fees, or closing costs
Request a cash offer now and stop foreclosure before it’s too late.
Success Story: How We Helped a Homeowner Avoid Foreclosure in McAllen
Recently, we worked with a homeowner who was 90 days behind on their mortgage and had received a notice of default. They had no idea they could sell their house before foreclosure and were preparing for eviction.
Within 24 hours of contacting TWB House Buyers, we made a fair, all-cash offer. The homeowner was able to close in just 10 days, completely avoiding foreclosure. They walked away with cash in hand, preserved their credit, and were able to move forward without financial stress.
If you’re facing a similar situation, don’t wait until it’s too late. See how we’ve helped other homeowners stop foreclosure and move forward.
Why Homeowners Trust TWB House Buyers for Pre-Foreclosure Sales
Selling your home in pre-foreclosure is a major financial decision, and it’s important to work with a trusted buyer who has your best interests in mind.
Homeowners choose TWB House Buyers because we offer:
- Fast, reliable cash sales – Close in as little as 7 days.
- No repairs or cleaning required – Sell as-is with no extra costs.
- No agent fees, commissions, or hidden costs – Keep 100% of your cash offer.
- A stress-free, judgment-free experience – We help homeowners without pressure or obligations.
- Full transparency throughout the process – You’ll know exactly what to expect at every step.
Learn why Texas homeowners trust TWB House Buyers for pre-foreclosure sales.

Get Your Free Cash Offer Now!
Fill out this form to get your no-obligation all cash offer started!
Get Your Free Offer TODAY!
Fill In This Form To Get Your No-Obligation All Cash Offer Started!

Take Action Now: Sell Before Foreclosure & Keep Your Financial Future Secure
If your house is in pre-foreclosure, every day counts. Waiting too long can result in foreclosure, eviction, and years of financial hardship. But selling your house fast can give you a fresh start with cash in hand instead of losing everything.
TWB House Buyers is here to help. We buy houses in McAllen, Texas, in any condition, no matter how urgent your situation is.
Call us today at (956) 460-1983 or request a free cash offer online to stop foreclosure before it’s too late.
