Plano · Collin County
Stop Foreclosure on a Plano House
Texas is one of the fastest foreclosure states in the country. Once the process starts, the calendar is the enemy, and waiting to see what happens is the single most expensive thing you can do.
- Written offer within 24 hours
- No repairs, no cleaning, no showings
- We pay the closing costs
- You choose the closing date
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BBB accredited business
Look the accreditation up before you call us — it is a matter of record.
- Written offer within 24 hours A real number in writing, with the math we used to reach it. No fee, no obligation.
- Closing in 7 to 14 days On a clean title — or months out instead. You pick the date, not us.
- No commissions and no fees We pay the closing costs at a Texas title company. Nothing comes out of your side.
How it works
What are the steps to sell your Plano house for cash?
Tell us about the house
Address and condition is enough. We do not need photos, a cleanup, or a repair list — we buy as-is and we expect deferred maintenance.
Get a written offer in 24 hours
We price off recent Collin County sales and what the house actually needs. You get a real number in writing, with how we arrived at it.
Close on your date
Seven days if you need speed, or later if you need time to find your next place. Closing happens at a Texas title company and we cover the closing costs.
Cash offer vs agent vs iBuyer
Which of the three is actually right for your house?
If your Plano house is updated, empty and you can wait 60–90 days, listing with a good agent will usually net you more, and an iBuyer may too if the house fits its criteria. A cash sale wins when condition, a fixed date or certainty matter more than squeezing out the last few percent.
| Listing with an agent | iBuyer / instant offer | Sell My House Fast Plano | |
|---|---|---|---|
| Time to close | Typically 60–90+ days, plus time on market | Usually 14–60 days, inside the platform's window | 7–14 days on clean title, or later if you prefer |
| Agent commission | Commonly 5–6% of the price | None | None |
| Service fee | None separate from the commission | Yes — a percentage of the price, disclosed in the offer | None |
| Closing costs | Seller commonly pays 1–3% | Seller pays their share | We pay them |
| Repairs | Pre-list work, then buyer repair requests | None up front; deductions after their inspection | None, and no deduction after we look |
| Showings | Ongoing, plus open houses | None, but an inspection visit | One walkthrough |
| Financing contingency | Buyer's appraisal and loan can fall through | None — the platform pays cash | None — we pay cash |
| Condition accepted | Must satisfy the buyer's lender and appraiser | Newer, financeable houses within set criteria | Any condition — fire, hoarder, foundation, tenants |
| Who picks the closing date | Negotiated with the buyer | Chosen from the platform's window | You do |
Find out what your house is worth in cash
One visit, a written number within 24 hours, and no obligation at any point. If a cash sale is not your best option, we will tell you.
Get My Cash Offer Call (972) 928-0410Can you sell a house in Plano to stop foreclosure?
Yes. In Texas you can sell any time before the foreclosure sale, and selling pays the lender off through the title company. Texas foreclosures move fast — a first Tuesday sale needs only 21 days' notice — so a cash sale that closes in about a week is often the only option left with equity in it.
Last verified: August 16, 2026 · Plano, Collin County, Texas
The timeline is shorter than people expect
Most Texas foreclosures are non-judicial: no courtroom, no lawsuit, just notice. After a Notice of Default and its cure period, a Notice of Sale needs only 21 days before the sale, held on the first Tuesday of the month at the county courthouse. Owners routinely assume they have months when they have weeks.
Selling and foreclosing are not the same outcome
You keep the right to sell until the gavel falls. A sale pays the lender through title and anything above the payoff comes to you; a foreclosure hands the house over and, in most cases, leaves you with nothing plus the credit damage. Any equity you have is only recoverable while you still own it.
What we need to move quickly
The lender's name, an approximate payoff, and whether a sale date has been posted. We order the payoff through title and work back from your date. If a sale is days away we will tell you honestly whether closing in time is realistic instead of letting you hope.
If there is no equity left
Sometimes the payoff exceeds what the house is worth, and no cash buyer can fix that. In that case the honest options are a short sale with lender approval, a deed in lieu, or bankruptcy advice from an attorney. We would rather tell you that in the first call than string you along.
Texas foreclosure law
The Texas foreclosure calendar, in the order it actually happens
Texas foreclosures are non-judicial: no lawsuit, no courtroom, just notice and a sale on the courthouse steps. The dates below are why owners here so often believe they have months when they have weeks.
- Notice of default and cure
- For a debt secured by the borrower's residence, the servicer must first give notice of the default and a period of at least 20 days to cure it before it can post the sale — Texas Property Code section 51.002.
- 21 days' notice of sale
- The notice of sale must be filed with the county clerk, posted at the courthouse and mailed to the debtor at least 21 days before the sale date. Twenty-one days is the statutory floor, not a typical case.
- First Tuesday of the month
- Sales are held on the first Tuesday of the month, in a three-hour window inside the period between 10 a.m. and 4 p.m., at the place the county commissioners designated. Collin County's is at the courthouse in McKinney.
- You can sell until the gavel falls
- Nothing in the process removes your right to sell. A sale pays the lender through the title company and anything above the payoff is yours; a completed foreclosure hands over the house and usually the equity with it.
- Deficiency suits run two years
- If the foreclosure sale brings less than the debt, Texas Property Code section 51.003 allows the lender two years from the sale to sue for the shortfall. Walking away is not always the end of it.
- No redemption after a mortgage foreclosure
- Unlike a delinquent-tax sale, where a homestead owner has a statutory period to redeem, there is no right to buy the house back after a non-judicial mortgage foreclosure in Texas.
General information about Texas property, with the code references included so you can look each one up. It is not legal or tax advice — confirm your own position with an attorney or CPA before you sign anything.
Questions we get asked
How late is too late to sell before foreclosure?
You can sell up until the foreclosure sale itself, but closing takes time. With two weeks or more before a posted sale date, a cash closing is usually achievable. Inside a week it depends on the title work and on the lender providing a payoff figure quickly. Call earlier rather than later — the calendar is what costs people their equity.
Will selling stop the damage to my credit?
Selling before the foreclosure completes avoids the foreclosure itself appearing on your credit, which is the most damaging entry. Missed payments already reported stay on your record. It is the difference between a bad stretch and an event that follows you for seven years.
Do I get any money if I sell during foreclosure?
Yes, if the sale price exceeds what you owe. The title company pays the lender, any liens and the closing costs, and the remainder is yours. That is the key difference from letting the foreclosure run, where the equity is usually lost entirely.
What if I owe more than the house is worth?
Then a straight cash sale will not work, and we will say so rather than waste your time. The realistic paths are a short sale with your lender's approval, a deed in lieu of foreclosure, or advice from a bankruptcy attorney. We can point you at the right conversation even when we are not the buyer.