DFW homeowners have one of the lowest negative-equity rates in the country. That hidden equity — built quietly during the 2020-2024 price surge — is what stands between you and foreclosure. The earlier we look at it, the more options stay on the table.
Texas is a non-judicial foreclosure state. Once a lender posts a Notice of Sale, your home can be auctioned on the very next "First Tuesday" of the month. The average Texas foreclosure timeline — from first missed payment to courthouse-step auction — is just 165 days. That's roughly half the national average.
The good news: that same speed cuts both ways. With the right plan, most Carrollton, Plano, Frisco, Dallas, and Fort Worth homeowners can resolve their situation — and protect their equity — well before the auction date.
Every situation is different — but in nearly every case I see in the Metroplex, one of these three paths solves the problem without losing the home to the courthouse steps.
If you have equity (most DFW homeowners do), a properly-priced 30-day listing typically nets you tens of thousands more than a cash investor and protects your credit.
When time matters more than maximum price, I bring you multiple investor offers from a vetted network — so you're never accepting the first lowball bid.
If you want to keep the home and have recoverable income, I'll connect you with a HUD-certified housing counselor (free) and help structure a path back to current.
If you call a "We Buy Houses" sign first, that company makes money by buying your home below market — typically 50–70% of value. They have no fiduciary duty to you. Their offer protects them, not you.
I'm a licensed Texas broker (TREC #0489516) with 24 years in DFW residential real estate. When you work with me, I have a legal fiduciary duty to put your interests first. That means showing you every realistic path, including ones that don't pay me a commission, and helping you choose the one that actually preserves the most of your equity and your credit score.
The first conversation is free, confidential, and carries no obligation. I'll tell you within 15 minutes whether I can help — or who you should be talking to instead.
Texas Property Code §51.002 requires lenders to send written notice of default at least 20 days before posting a Notice of Sale, and the Notice of Sale itself must be posted at least 21 days before the auction. If you've received either notice, the clock is already running.