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Pre-foreclosure · Texas

Sell your Texas house before the foreclosure sale

Updated October 20, 2026

Provenial buys Texas houses for cash before the foreclosure sale, and the title company pays off the loan from the sale price at closing.

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Direct acquisition

What happens when you submit

  1. 01

    Provenial buys houses before the foreclosure sale across Dallas-Fort Worth, Houston, Austin and San Antonio.

  2. 02

    Provenial buys with private capital.

  3. 03

    You will hear from someone within 24 hours.

  4. 04

    Sellers pay Provenial no fees or commissions.

Texas timeline

How much time you have before a Texas foreclosure sale

Property Code 51.002 sets the steps for a foreclosure sale under a deed of trust. For a house you live in, the lender has to mail a notice of default that gives you at least 20 days to catch up. If the default stays uncured, the notice of sale has to go out at least 21 days before the sale: posted at the courthouse, filed with the county clerk and mailed to you by certified mail.

Sales happen on the first Tuesday of the month between 10 a.m. and 4 p.m., in the area of the county the commissioners court designates. Counties post filed notices of sale on their websites with the date, time and location.

Home equity loans, reverse mortgages and HOA foreclosures go through a court, according to the Texas State Law Library foreclosure guide.

Sale locations

Where foreclosure sales happen around our metros

Dallas County

Dallas County holds foreclosure sales on the first Tuesday of each month on the north side of the George Allen Courts Building facing 600 Commerce Street, below the overhang, starting no earlier than 10 a.m., according to the Dallas County Clerk.

Tarrant County

Tarrant County holds foreclosure sales on the first Tuesday of each month at the base of the courthouse steps on the west side of 100 West Weatherford Street in Fort Worth, according to the Tarrant County Clerk.

Collin and Denton counties

Collin County trustee sales happen on the steps of the Collin County Courthouse at 2100 Bloomdale Road in McKinney (Collin County). Denton County sales happen on the first Tuesday at the southwest corner of the Denton County Courts Building, 1450 East McKinney Street in Denton (Denton County).

Harris and Fort Bend counties

Notices filed with the Harris County Clerk for the Nov. 3, 2026 sale name the Bayou City Event Center, 9401 Knight Road in Houston, as the sale location. Fort Bend County moved its first-Tuesday sales on Dec. 2, 2025, to Patton Hall at the Gus George Law Enforcement Academy, 1521 Eugene Heimann Circle in Richmond, between 10 a.m. and 4 p.m. (Fort Bend County Clerk).

Travis and Williamson counties

Travis County sales happen on the first Tuesday at 10 a.m. on the west steps of the Travis County Courthouse, 1000 Guadalupe Street (Travis County Clerk). Williamson County sales happen outside the northeast lower-level door of the Williamson County Justice Center, 405 Martin Luther King Street in Georgetown (Williamson County Clerk).

Bexar County

Bexar County holds sales on the first Tuesday of each month between 10 a.m. and 4 p.m. on the west side of the Bexar County Courthouse at 100 Dolorosa in San Antonio, according to the Bexar County Clerk.

Selling first

What selling before the sale date does

When you sell before the sale date, the title company asks your lender for a payoff statement and pays the loan off from the sale at closing. What is left after the payoff and closing costs goes to you.

After a foreclosure auction there is no right to buy the house back, except after government, tax-lender or HOA-fee sales, according to TexasLawHelp.

Send the notice of sale with the address if you have one. The sale date tells us how much time the title company has to get the payoff and clear the title.

Protect yourself

Texas rules that protect homeowners facing foreclosure

Texas regulates foreclosure consultants, people who charge to stop or delay a sale. Under Business and Commerce Code chapter 21, they need a signed written contract with a notice required by Texas law, and they cannot take a power of attorney or an interest in your house to secure their pay.

The Texas Attorney General warns about foreclosure rescue scams, and federal law bars mortgage relief companies from collecting fees before your lender signs an agreement. Provenial is the buyer of the house and charges sellers no fees.

How it works

How a pre-foreclosure sale with Provenial works

Send the address

Send the address, the condition of the house and the notice of sale if you have one.

We look at the house and the street

We review the house, the recent sales near it and the work it needs, and someone from Provenial gets back to you within 24 hours.

You get a written cash offer

Provenial is the buyer. The offer comes in writing on a Texas purchase contract, usually the Texas Real Estate Commission's One to Four Family Residential Contract, and you decide whether to sign it.

A title company handles the closing

A Texas title company holds the earnest money, runs the title search, pays off any loan or lien from the sale and records the deed with the county clerk.

What to send

What to send

  • 01

    Address and owner

    Send the address and tell us who owns the house and who signs for the sale.

  • 02

    Condition

    Tell us the year built, square footage and the repairs you know about. Photos of the house and the street help.

  • 03

    Occupancy

    Say whether the house is vacant, owner-occupied or rented, and send the lease if a tenant lives there.

  • 04

    Loans, liens and notices

    Tell us about any loan payoff, city lien, code notice or notice of sale you have received.

  • 05

    Price and timing

    Share your asking price, any offers you already have and when you want to sell.

Frequently asked questions
Can I sell my house before the foreclosure sale in Texas?

You can sell any time before the sale. Provenial buys Texas houses for cash before the foreclosure date, and the title company pays off the loan from the sale at closing.

How long does a Texas foreclosure take?

For a house you live in, Property Code 51.002 requires at least 20 days to cure the default, then a notice of sale at least 21 days before the first-Tuesday sale.

Where are foreclosure sales held in Texas?

Each county's commissioners court designates the location, and sales happen on the first Tuesday of the month between 10 a.m. and 4 p.m.

What happens to my equity if I sell before foreclosure?

The title company pays the loan payoff and closing costs from the sale price, and the rest goes to you at closing.

Does Provenial charge a fee to help with foreclosure?

Provenial charges sellers no fees. Provenial buys the house and offers no foreclosure consulting services.

Can I buy my house back after a Texas foreclosure auction?

TexasLawHelp says there is no right to buy the house back after a foreclosure auction, except after government, tax-lender or HOA-fee sales.

Compare the paths

Sell before the sale or let it go to auction?

Sell before the sale or let it go to auction?
FactorSell to Provenial before the saleLet the foreclosure sale happen
who sets the priceYou accept or decline a written offerBidders at the county auction
loan payoffPaid by the title company at closingHandled by the trustee at the sale
money left overPaid to you at closing after the payoffDepends on the auction price
timingClosing date set in the contractFirst Tuesday sale date in the notice
buying it backYou choose whether to sellA buy-back right only after government, tax or HOA sales
Texas market facts

Texas market data from primary sources

Property submission

Get a cash offer before the sale date

Send the address, the condition of the house, who lives there and who signs for the sale.

Submit a property