If you’re behind on mortgage payments in Houston, TX, you’re not alone — and you’re not out of options.
Many homeowners in Houston fall behind due to job loss, medical bills, divorce, inflation, or unexpected life changes. If you’re in that position, the last thing you need is more stress. You need answers, fast.
At Close Circle Homes, we help people avoid foreclosure by giving them a way out: selling their home fast for cash, as-is. No agents. No waiting. No judgment.
🔹 What Happens If You’re Behind on Mortgage Payments?
Falling behind on mortgage payments can quickly escalate. Here’s the usual timeline in Texas:
- Miss 1–2 Payments – Your lender begins sending notices
- Notice of Default (NOD) – A formal warning
- Foreclosure Proceedings Begin – You could lose your home at auction
- Eviction – If the house sells, you may be forced out
Once foreclosure starts, it hits your credit hard and stays there for 7 years.
But here’s the good news:
👉 You can still sell your house before foreclosure — even if you’re weeks or months behind.
✅ Yes — You Can Sell Your Home While Behind on Payments
Texas law allows you to sell your home right up until the foreclosure sale date. And if you work with a cash buyer like Close Circle Homes, you can often close in as little as 7 days — fast enough to beat the foreclosure clock.
We’ve helped homeowners in:
- Houston
- Pasadena
- South Houston
- Katy
- Spring
- Baytown
- …and other nearby areas
Even if the auction date is approaching, we can step in, make you a fair offer, and close quickly — before the bank takes it.
🔎 Why Selling for Cash Is the Best Option When Time Is Tight
If you’re behind on your mortgage, selling with a real estate agent may not help. Here’s why:
| Traditional Agent Sale | Selling to Close Circle Homes |
|---|---|
| 45–90+ days to close | 7–14 days or less |
| Agent commissions (5–6%) | $0 fees or commissions |
| Repairs may be required | We buy as-is |
| Buyer might need financing | We use cash — no banks |
| Risk of foreclosure mid-process | We can close before foreclosure |
💡 What If You Have No Equity?
Even if you owe close to what your house is worth, we can still work with you.
Sometimes, we can structure a deal to:
- Pay off your mortgage
- Cover your back payments
- Help you walk away clean without owing anything out-of-pocket
If your home has equity, that’s even better — you could leave with cash in your pocket.
💬 Real Homeowners We’ve Helped
“I lost my job and couldn’t keep up with payments. The bank gave me 30 days. Rahim at Close Circle Homes made me an offer in 24 hours and helped stop the foreclosure. I’m beyond grateful.”
— Corey R., South Houston
“I inherited my mom’s house but it had liens and was in bad shape. I didn’t know I could sell while behind. These guys made it simple.”
— Tasha M., North Houston
🚀 How to Get a Fair Cash Offer — Today
Here’s what you can do right now if you’re behind on payments:
- Call us at 346-471-5462 or fill out our quick form online
- We’ll give you a no-obligation, fair cash offer within 24 hours
- Choose your closing date — even if it’s just days away
- We handle everything: back taxes, liens, title, closing costs
- You walk away — no more stress, no foreclosure, no pressure
📍 We Buy Houses in Houston and Surrounding Areas
If you’re in:
- Houston proper
- Pasadena
- Baytown
- Missouri City
- Cypress
- Humble
- Or any nearby area…
…we’re buying in your neighborhood. And we can help now.
🛑 Don’t Wait Until It’s Too Late
Every day counts when you’re behind on payments. The sooner you take action, the more control you have over the outcome.
Close Circle Homes is a trusted local company that helps Houston homeowners sell quickly and get peace of mind.
📞 Call us now at 346-471-5462
📩 Or request your free cash offer at CloseCircleHomes.com