Notice of Default doesn't have to mean losing everything. We close before the trustee sale — pay off your lender, protect your credit, and put cash in your pocket. Even with the auction date set, there's still time.
We respond within 24 hours with a payoff offer.
🔒 100% confidential · No obligation
The Texas trustee sale process is fast — 21 days posted, no judge required. We're faster.
We close before your auction date. Title transfers, lender gets paid in full, sale is canceled. You walk away.
A completed foreclosure drops your score 150-200 points and stays seven years. Selling now means it never gets recorded.
1st lien, 2nd lien, HELOC, judgment liens — we coordinate the full payoff stack so you walk away clean.
There's no maximum delinquency. Whether it's 3 months or 18 months behind, we work with whatever the lender shows on the payoff demand.
Late fees, attorney's fees, trustee's fees — we deal with the bank's loss-mitigation department. You don't make a single call.
If the auction sells low, the bank can sue you for the shortfall. Selling to us at full payoff prevents that risk entirely.
From first call to the auction being canceled.
Share the property address and your Notice of Default date. We pull the lender info and start a payoff request immediately.
Takes 2 minutesWe analyze comps, calculate the lender payoff, and present a transparent cash offer with the exact dollars going to you at closing.
Within 24 hoursWe close at title, lender wires payoff, trustee sale is canceled the same day. You walk away with funds, intact credit, no judgment exposure.
7–14 days typicalTrustee sale date approaching?
We won't promise to save the house. Here's the real picture.
Three real families. Three trustee sale dates. Three auctions canceled.
Michael got laid off in the spring, fell 8 months behind on a $285K mortgage. Notice of Default posted, auction set 90 days out. Lender wouldn't modify. He had ~$60K equity but no way to access it.
Cash offer in 36 hours. Coordinated payoff with servicer's loss-mitigation team. Closed in 11 days, well before the auction. Michael walked away with $32K cash and intact credit.
Sandra and her estranged husband stopped paying after the split. 1st mortgage 4 months behind, HELOC also in default. Both lenders filed. Two separate auction tracks, judge ordered the house sold.
Coordinated both payoffs simultaneously, negotiated a $4K HELOC discount, paid 1st lien at full demand. Both parties signed at closing, court order satisfied. Sandra cleared $18K.
Derrick lost his job in oil & gas, fell 13 months behind. Auction posted for the first Tuesday of the next month. He called us 11 days out. Most buyers wouldn't quote with under 14 days.
Same-day cash offer. Lender wired updated payoff Monday, we closed Wednesday — six days before auction. Trustee canceled the sale 24 hours before the courthouse posting cycle.
Straight answers. No fine print.
Proudly Serving the Dallas-Fort Worth Metroplex and Central Texas
Envesto.io buys houses in every corner of DFW and across Central Texas, from city centers to quiet suburbs. We're local experts ready to help homeowners in all of the following communities:
Beat the Auction
There's still time. Get your payoff offer in 24 hours and close before the gavel drops.
🔒 100% confidential · No obligation · Response within 24 hours