Texas foreclosure moves fast. So do we.
Missing a few payments doesn't mean you have to lose the house — or the equity in it. But in Texas the clock is shorter than most people realize, and every month you wait narrows your choices.
We buy houses in Irving, TX from owners who are behind, and we can close before the sale date. You walk away with your equity instead of a foreclosure on your record.
Mike Jackson will call or text you shortly, usually within the hour during the day. If it's urgent, call (972) 954-6120 now.
Texas is a non-judicial foreclosure state. The lender doesn't need to sue you. After you're in default, they send a notice of default giving you at least 20 days to catch up. If you don't, they post and mail a notice of sale at least 21 days before the auction. Sales happen on the first Tuesday of the month at the county courthouse.
Put together, that's roughly 41 days minimum from the first formal notice to losing the house — and there is no statutory right to buy it back afterward. Whatever equity you had goes to the lender and the auction buyer.
Reinstatement: pay everything you're behind plus fees, and the loan goes back to normal. Forbearance or loan modification: the lender agrees to pause or restructure — call them, it costs nothing to ask. A deed in lieu: you hand the house back voluntarily; it avoids the auction but you get no equity. A short sale: sell for less than you owe with the lender's blessing, if you're underwater.
Selling before the sale date: if you have equity, this is usually the option that puts money in your pocket. A traditional listing takes 60–90 days with financing and inspections — often longer than you have. A cash buyer can close in 7–14 days.
Tell us your sale date. We'll get you a written offer within a day or two of seeing the house, and we've closed in under two weeks many times. The title company pays off your lender directly and wires you the difference. If you need a few extra days after closing to move, we'll build that in.
If the numbers show you'd be better off with a modification or a listing, we'll tell you that. We'd rather you trust us next time than push a deal that doesn't fit.
Irving is really two markets. South Irving and the Heritage District are 1950s and '60s neighborhoods with small brick and frame houses, a large rental stock, and steady demand from buyers who want to be near downtown Dallas and DFW Airport without the price tag. North Irving — Las Colinas and Valley Ranch — is newer and mostly condos and townhomes.
We buy across both, but most of our Irving purchases are in the older south side: estate houses, tired rentals, and as-is sales from owners who don't want to renovate before they list.
Areas we buy in: South Irving, Heritage District, Plymouth Park, Las Colinas, Valley Ranch, Northgate.
ZIP codes: 75060, 75061, 75062, 75038, 75039, 75063.
Call, text, or use the form. Five minutes of questions — no sales pitch.
We look at the property once and put a real number in writing, usually within 48 hours. We show you how we got there.
A licensed Texas title company handles everything. Close in as little as 7 days, or later if you need time. Cash wired to you.
None of this is required to get started — it just makes the offer faster.
Usually not. If the sale is at least 10 days out, we can typically still close before it. Call today — every day matters here.
The title company requests the payoff and handles it at closing. If you're comfortable authorizing us, we can also talk to the lender to confirm the sale date and payoff amount.
Possibly, through a short sale where the lender agrees to accept less. It's slower and depends on the lender. We'll tell you honestly whether it's realistic.
Selling the house is a sale, not a foreclosure. Missed payments already reported will stay, but you avoid the foreclosure entry, which is the one that does the most damage for the longest time.
I'm Mike Jackson. I'm a real estate investor based in Dallas, TX, and I buy houses across Dallas County, Texas — including Irving, TX. I'm not an agent and I'm not a national call center. When you call the number on this page, you're calling me.
I started doing this because I kept watching families lose money on houses they didn't want, to a process that wasn't built for them. A cash sale isn't right for everyone, and I'll tell you if it isn't right for you. When it is, I'll make it the easiest part of a hard situation.
Call or text Mike Jackson directly. No obligation.
(972) 954-6120