Texas moves fast. Once the Notice of Sale is filed, you have 21 days before your property goes to auction. ZI Properties can close in 7 days — all cash, no lender approval, no repairs required.
No obligation. Real people answer.
Texas is a non-judicial foreclosure state. There is no court required. The lender files paperwork, posts a notice, and your property goes to auction — all within weeks. Here is the real timeline:
Texas has some of the fastest foreclosure timelines in the country. From the date the Notice of Sale is posted, you have a minimum of 21 days before the auction — but in practice, the total process from first missed payment to auction can move in as little as 60 to 90 days. Unlike some states, Texas does not give homeowners a right of redemption after a lender foreclosure. Once the property sells at the Bexar County auction at 101 W. Nueva Street in San Antonio, the new owner takes title immediately.
There is also no requirement that the lender get a court order first. The process is entirely non-judicial — which means the speed of the timeline depends entirely on how quickly your servicer moves paperwork. Some lenders file within 60 days of default. Others wait longer. What matters is where you are in the process right now, not how long ago you first missed a payment.
If you have already received a Notice of Sale — especially one posted on the Bexar County Courthouse door — the only ways to stop the auction are: pay off the full loan balance, negotiate a forbearance or loan modification with the servicer, file Chapter 13 bankruptcy (which triggers an automatic stay), or sell the property before the sale date. ZI Properties is the fastest option that also puts money in your pocket.
Call us today. We will review your situation, check where you are in the process, and tell you honestly whether we can close before your sale date. No pressure.
Get My Free Cash Offer → (210) 864-8420If there is enough time on the clock, we can close in as little as 7 days. Here is the exact process:
We call you back within a few hours. You tell us the property situation — how far behind you are, whether you have received a Notice of Sale, and what the property looks like. No pressure.
We review comparable sales and property condition. You get a written cash offer — no obligation to accept. We show you our proof of funds before you sign anything. The offer is what you get — no last-minute cuts.
We use a licensed Texas title company. They handle the payoff to your lender directly at closing. If there is equity above what's owed, you receive that balance at the closing table. No repairs. No showings. No realtor commission.
Start Now →When a foreclosure sale date is approaching, not all options move at the same speed.
| Factor | ZI Properties | List with Realtor | Loan Modification |
|---|---|---|---|
| Time to close | 7 days | 60–90+ days | 30–90 days (if approved) |
| Repairs required | None | Usually yes | N/A |
| Financing risk | None — cash buyer | High (buyer financing falls) | High (denial common) |
| Commission/fees | Zero | 5–6% commission | Legal/processing fees |
| Stops auction | Yes — if closed before date | Only if closed first | Only if lender agrees |
| Certainty | High — cash, no contingencies | Low | Low — lender decides |
ZI Properties LLC is a registered real estate company based in San Antonio. We are not a hedge fund or a national chain. The person who answers your call is the person who walks your deal from first contact to the closing table — no hand-offs, no call centers.
Every transaction closes through a licensed Texas title company. We provide proof of funds before you sign anything. The number in your offer is the number on the closing statement — no last-minute changes, no fees you did not expect.
“We were behind on property taxes and getting letters from the county every week. I thought we were going to lose the house entirely. ZI Properties paid off all the back taxes at closing. We walked away completely clean.”
We call every form submission within a few hours. If you have already received a Notice of Sale, call us directly.
