Stop Foreclosure
in Houston, Texas

If you’re wondering how to stop foreclosure in Houston, it’s worth saying that it’s a thing that many citizens consider unimportant. There are many ways to avoid the proceedings related to property loss. Many of them will let you keep your autonomy and have control over what is happening in the process.

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Why We Can
Help You?

The first thing you should know is that our company is fully aware of all issues you may face when your apartment is at risk of foreclosure proceedings. Why choose us? In fact, there are several reasons why you may want to choose our foreclosure help. They include the next points:

With our company, Foreclosure proceedings CAN BE AVOIDED . We could help if only you entrust your housing in Texas to us. We purchase homes without the intrusion of third parties, which means that you’ll get a greater amount of money for your property;

We provide a FULL RANGE of services, so the use of our help may easily become your next best decision;

Our team of employees has a huge experience in helping sellers sell their homes to us with no unwanted problems. This is how we can give you all guarantees that you’ll be satisfied with the results and will deal with Houston foreclosure quickly;

We have bank relationships, private lenders, and CASH. This is why we buy house in as little as 72 hours from when title company finishes paperwork.

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We Can Stop Foreclosure in the Following Situations

Our company helps homeowners stop the problem of Houston foreclosure with ease. It is also possible to avoid potential problems in advance so as not to deal with them at the last minute. Foreclosure can happen due to several reasons. A rapid turn in your financial situation may provoke the loss of your apartment, so you’ll have to face certain fees and will be obliged to start making payments in order to prevent problems with housing. Otherwise, your apartment will be in foreclosure. Once the process begins, you won’t be able to stop the problem of foreclosure, particularly if lenders start behaving aggressively with the view to making you feel that your only way out is to do what they are asking. So, in what situations can we help you stop the proceedings? They include the next ones:

We offer our help to those who are behind on mortgage payments

If you wish to stop the proceedings before the lender forecloses your housing in Houston, you can apply for and declare yourself bankrupt. This is a good way out when you need to avoid the risks related to the proceedings. It will help to regardless of the deadlines. It will instantly prohibit the lender from gathering debts, whereas the bankruptcy courts will help you save the apartment in TX within a short period of time. People face mortgage-related problems for a variety of reasons, which majorly include the next ones:

Loss of job;
Reduction of earnings;
Illness or injury;
Divorce with your spouse;
Death of a spouse;
Financial problems related to medical treatment.

All these reasons lead to a situation when you cannot make mortgage-related payments and cover other important monetary obligations. In this case, we recommend you refinance the mortgage. This is a long-term way out for borrowers who have good credit. You can refinance your house in houston as another way to stop foreclosure. This is a long term way for borrowers that are employed again and usually still have some credit. You could refinance with a hard money lender potentially or different types of conventional or unconventional lenders depending on your situation.

In this case, borrowers who are facing foreclosures can look for the most favorable refinancing rates offered by various lenders who may want to get a refinancing fee in order to avoid problems with mortgages. Loan modification and refinancing will instantly change the conditions of payments. This way, homeowners can easily avoid the loss of housing.

If you have received a foreclosure notice

In this case, the homeowner can deal with the issue by filing a lawsuit against them. If the loss of the house becomes judicial, the strategy might not work. What you will need to do is to postpone or stop the foreclosure itself, which will prove that the lender cannot move forward due to certain circumstances. In case of judicial foreclosures, you will have to address the issue by asking lawyers for help. The circumstances also include not acting according to the requirements of mediation or violating the bill of rights. All these situations require the help of an attorney. Qualified lawyers can provide assistance in line with local laws.

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We can help if you lost your home at a foreclosure sale

What to expect if you’ve already lost your home at foreclosures sale. The situation can make it very difficult for the customer to get the necessary finances to purchase another property. The credit score in this situation will be significantly lower. And you’re supposed to stay on the record for as much as seven years. Besides, past problems with the property in TX make you much more likely to face default on borrowing.

What to expect in this situation? Apart from other possible risks, you will also have to pay higher interest rates and make other payments as well. You may also need several months in order to qualify for the loan later. To avoid these problems, apply to the court, where foreclosure attorneys will do everything necessary to make sure you cope with the problem efficiently and quickly.

In case there is no way to pay

If you face a situation where you cannot cover the needed payments, it’s advisable to contact the lender as soon as possible. If the cause of the problem is only a few days of missed work, the situation is not yet dramatic. Just reach out to your lender before they contact you themselves. This will demonstrate that you’re still looking for certain solutions and are not trying to avoid obligations. Be ready to explain the situation and what you need from your home’s lender.

Homeowners facing the problem discussed above should start acting as early as possible before they fall behind the payments. Foreclosure prevention or dealing with its outcomes of it requires a quick solution. If you ignore the calls of your lender, there are several options that will help you out. First of all, you’ll need to contact your lender immediately to make sure you succeed in saving your home.

How Can You Stop Foreclosure at the Last Minute

When you’re trying to cope with life-changing situations, it’s natural to be under stress. You may be concerned about where you’ll go if your house gets foreclosed, what neighbors will think and how it will influence your credit score. You may also be stressed about how to purchase an apartment again if you failed to avoid the legal proceedings related to the loss of your apartment. Here are a few tips to help you deal with the issue. Any person who follows the recommendations avoids foreclosure easily and quickly.

File for Bankruptcy

No matter whether you apply for bankruptcy and decide to use the services of lawyers or even sell your home, it is possible to stop the foreclosure before the deadline as there are many solutions that will help you in preventing foreclosure.

Bankruptcy attorneys are supposed to help customers deal with housing problems in line with foreclosure law. In this case, you’ll have to prove a number of things, which include the next ones:

Contacting a lawyer stops foreclosure and helps avoid unnecessary complications. In order to stop foreclosure, you can also do the following.

File a Lawsuit Against Your Lender

Before you file the lawsuit, it’s necessary to take into account whether it’s possible to win in your situation. It does not mean that you have no chances to win, but in certain conditions, you may have to pay huge sums of money to the attorney and will still not be able to save your housing. That’s why you need to make sure you are using the services of a trusted lawyer.

Remember that you’re not alone. According to recent statistics, over 250 thousand of new families face the problem of housing loss every three months and want to stop foreclosure. Numerous people avoid contacting their lenders and asking them for help. This may happen because they are embarrassed or are afraid of reaching out for assistance because it would cause the loss of a home much quicker.

Even when people face non-judicial foreclosures, the process of solving the issue can be really expensive. That’s why you should be aware that you’ll have to face financial problems if you want to cope with the issue as soon as possible and use the help of qualified lawyers. Besides, lenders usually offer help to homeowners due to financial reasons. In fact, foreclosure is an expensive process. If they fail to succeed, they might lose thousands of dollars within a short period of time.

If you fall behind on mortgage-related payments or experience other risky situations, it’s time to address the issue by asking your lender for help. The more options you have at your disposal, the greater your chances for success are. You only need to ask for assistance in a timely manner.

Apply for a Loan Modification

If you’re short of time and have not yet solved the problem, you can also apply for a loan modification or go through a similar process to help you slow down the proceedings and give you an opportunity to reach success quicker.

The loan modification might not help you tackle the problem completely, but it will easily postpone the proceedings because lenders will be restricted from buying foreclosure when the application of loss mitigation is pending. After that, if the modification is verified, the process will come to an end, and you’ll be able to start making new payments. It’s a great way to not only stop the loss of your home but also to avoid the consequences.

Surely, your lender will have to be open to the conditions of lending modification in Houston. Additionally, if you don’t make payments on time, the process will start once again so you’ll have to get back to where you have begun.

Contact a Houston-area Attorney

Depending on the circumstances, you may have several solutions at hand. Reaching out to a Houston-area attorney is one of the simplest ways to stop foreclosure within a short period of time. If you wish to use the most effective option, contacting the lawyer and getting a free consultation will be your next-best choice. The attorney is able to offer you a few reliable opportunities in order to cancel the proceedings and prevent other problems. If this option is suitable for you, you can move forward, but you will have to cover certain payments. Speaking to foreclosure lawyers is a good way to delay the proceedings for a month at a minimum, giving you some more time to find an effective way out.

TX attorneys usually say that declaring yourself bankrupt is not sufficient, and you may face many drawbacks of such a decision. They largely include the next points:

Your credit score will be spoilt, which will make it not so easy to get loans or credits in the future;
It also implies that you will not be able to file for bankruptcy for a long time;
It will also allow the creditors to try different collection options against you, including wage garnishment among many others.

Speaking to bankruptcy lawyers is always a good solution, but it may not be 100% effective in your particular circumstances. It is also worth getting more information about Chapter 13 and Chapter 7 bankruptcy rules. If you live in Texas, you’ll need to take into account Chapter 13. If your goal is saving time and you’re not worried about how to keep the housing safe, Chapter 7 might be more suitable for you.

Get Money for Your Foreclosure House

If you are a resident of Houston, you may want to solve the problem with house ownership by selling your property to us. If the time is running out and you find yourself in a difficult situation or want to avoid complications, you can choose to sell the property to real estate investors. It will help you stop foreclosure and get money for the house you live in. In this case, you won’t have to do anything with the property you own or get concerned about your financial situation.

You only need to contact us and give details of your situation, telling more about the risk of losing the apartment in Houston. We’ll evaluate the situation with the property and make you a just proposition, paying you in cash if you make a decision to accept our offer. If you give approval, you’ll need to establish the conditions, which may take not more than a few days. You will not have to make any repairs or cope with the financial circumstances any further. Instead, you can simply leave your home with cash and let us deal with future proceedings.

Just reach out to our specialists today in order to get started and learn how to sell the home for money before the actual proceedings begin.

Other Benefits Include:

No Closing Costs

We don’t charge you additional costs for closing the sale.

No Commissions

We don’t require commissions fees, saving you the time and money of hiring a realtor.

No Inspection Fees

If we inspect your home, we won’t expect you to pay those fees.

No Repair Fees

You aren’t required to take care of any repairs before the sale.

Fast & Simple Process

Our selling process is uncomplicated and moves very quickly.

We buy houses as is

We will buy your house in the exact condition it’s currently in.

Close On Time

We commit to a closing date, and we stick to it!

How Do We Stop Foreclosure

If you face the problem of possible home loss, there are several steps that you might want to try out in order to prevent property loss. Here are some of the most significant points to consider:

Contact your lender in order to discuss the circumstances and try to start a new payment plan or use other effective solutions. Many lenders usually work with borrowers in order to help them avoid problems with housing;

You may also consider that a good way out will be to refinance the loan in order to decrease the monthly fees. This can be a good decision if you are able to qualify for a more favorable interest rate;

Consider using the loan modification as yet another effective solution. It includes changing the conditions of the home loan with the view to making it more affordable. It may also include extending the term of the loan, decreasing your interest rate, or adding some missed payments to the loan you currently pay for;

You could also consider selling the property for a good price. This can be a great solution if you are not able to afford payments for your mortgage and do not qualify for the modification of the loan;

No matter what you choose, it’s important to act fast, especially if there is a risk of losing the property. That’s because the process may move on very fast after it starts. You may want to consult a lawyer or housing counselor to get help and understand the risks and solutions to stop foreclosure in Houston. This will help you to make the best decision and rule out the problem quickly and efficiently.

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How Do Traditional Home Sales Compare
With A Fast Buyout Anyway?

The difference is simple. We give you a fast process that delivers without the costs or fees of traditional sales.
Just take a look at all the factors:

Traditional
selling

Selling with
Christian House Buyers

Average days to close transaction

50-60 days

Commissions / Fees

6% on average is paid by you, the seller

Who Pays Closing Costs?

2-3% on average is paid by you, the seller

Appraisal Needed

Yes, the sale is often subject to appraisal

Number of Showings

Multiple

Who Pays For Repairs?

Negotiated During Inspection Period

Move out day

Day of closing

Our team

Ben Naumann has been a well known figure in the real estate investing space in Houston TX for years. Starting as a realtor Ben did not like the one size fits all approach and has always brought creative solutions to the table that are less traditional. He saw agents assume what was best for a home seller without talking to them about their goals and really understanding what they wanted to do and that is what drove him to the investing space to solve problems for the 6-9% of the market that does not want to go the traditional real estate route and wants other options. Ben has done everything from townhouses, land, residential houses, to commercial deals but just loves working with sellers that are appreciative of a fair deal, great communication, and our problem solving. Ben still has sellers that come to his real estate investing meetups now in Houston and are friends with him.

Max Khalus

Solutions specialist

Ryan Dixon

Solutions specialist

Angel Navarro

Solutions specialist

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Stop Foreclosure
in Houston, Texas

Why We Can
Help You?

We Can Stop Foreclosure in the Following Situations

We offer our help to those who are behind on mortgage payments

If you have received a foreclosure notice

Customers reviews