Facing Foreclosure in New Braunfels? Stop the Trustee Sale Before First Tuesday.
We buy pre-foreclosure homes across New Braunfels, Comal County, and Guadalupe County for cash — closing fast enough to cancel a posted §51.002 trustee sale. Any condition, any situation.
The Situation
What You're Facing
Texas foreclosures move fast. Under Texas Property Code §51.002, a mortgage servicer only has to give 21 days' written notice before selling your home at the first-Tuesday auction on the courthouse steps. For Comal County properties, that auction happens at the New Braunfels courthouse; for Guadalupe County addresses (Cibolo, Schertz, parts of eastern New Braunfels), it happens in Seguin. Either way, once the Notice of Trustee Sale is posted, you have a very short window to act.
Most Texas homeowners in pre-foreclosure spent months trying to work with their servicer first — asking for a loan modification, a forbearance, or a short sale approval — before realizing the sale date was actually going to happen. By the time the notice arrives, refinancing is almost never possible (your credit has taken hits from missed payments and DTI ratios won't work), and listing on the MLS won't close in time. A cash sale is often the only realistic option that preserves any equity.
We buy pre-foreclosure homes across New Braunfels, Canyon Lake, Bulverde, Garden Ridge, and the rest of Comal County — moving fast enough to close before your posting date. We coordinate directly with your loan servicer's payoff department, wire the funds at closing, and cancel the sale. If there are also back property taxes or an inheritance situation tangled in with the foreclosure, we settle all of it at the title company.
The critical variable is time. The sooner you call, the more options you have. Even 10 days before posting is enough to close — we've done it. But 3 days before is very hard, and the day of the sale is impossible.
Why People Sell
Why New Braunfels Homeowners Choose to Sell
Job Loss or Income Disruption
Loss of employment, a business downturn, or a spouse's income change means the mortgage no longer fits. We close before foreclosure damages your credit further.
Medical Bills and Debt
A medical event drained savings. Selling for cash preserves whatever equity remains and eliminates the mortgage.
Death of a Co-Borrower
A surviving spouse or heir can't cover the mortgage alone. We buy inherited properties in foreclosure across Comal County.
Divorce and Missed Payments
Separation left neither spouse making payments. Selling now protects both credit files.
Balloon Payment Coming Due
A hard-money or seller-financed balloon that can't be refinanced. We close in time.
Underwater or Nearly So
If the payoff is close to the value, we still often make a deal work — sometimes with lender short-sale coordination.
The Hard Parts
Challenges Homeowners Run Into
Very Tight Timeline
First-Tuesday sales are unforgiving. We can close in 7 days when time is short — but sooner is always better.
Servicer Payoff Coordination
Getting a written payoff from the loan servicer during pre-foreclosure can be slow. We work with servicers on this every week.
Junior Liens and Judgments
HELOCs, HOA liens, mechanic's liens, and judgments all have to clear at closing. Title company handles it from proceeds.
Back Property Taxes
Comal Appraisal District tax delinquency is common alongside mortgage delinquency. Both settled at closing.
Repairs Needed But Unaffordable
You can't list a home in the current condition. We buy as-is — no repair budget required.
Emotional Weight of the Situation
Foreclosure is stressful. We move fast, communicate directly, and don't judge.
Our Solution
How South Texas Home Investors Helps
South Texas Home Investors buys pre-foreclosure Comal County and Guadalupe County properties every month. We know the Notice of Trustee Sale process, the payoff coordination with major servicers, and the title companies experienced in closing pre-foreclosure deals under tight timelines. When you call, we treat time as the critical constraint from the first conversation.
We provide a written cash offer within 24 hours based on actual New Braunfels comps and the home's real condition. We accept the property as-is, pay off the servicer at closing, settle any junior liens or back taxes, and can close in as few as 7 business days. If the property is also caught in probate or divorce, we structure the transaction to handle both.
- 7-day close available when time is critical
- We coordinate directly with your loan servicer
- As-is purchase — no repairs, no inspections
- All standard closing costs paid by us
- Back taxes, HOA liens, and junior liens settled at closing
- We stop the auction — you keep whatever equity remains
The Process
Our Simple 3-Step Process
Call Us Immediately
The earlier you call, the more options exist. Share the address, servicer, and any posted sale date.
Written Offer Within 24 Hours
We inspect (drive-by is fine), pull comps, and put a cash offer in writing.
Close in 7 Days — Sale Canceled
Servicer paid at wire, sale canceled with the trustee, deed recorded. Foreclosure never happens.
As-Is Advantage
Benefits of Selling As-Is
Local Knowledge · New Braunfels & Surrounding Areas
We Know the Neighborhoods You Live In
Comal County foreclosure sales happen at the New Braunfels courthouse the first Tuesday of every month. Guadalupe County sales run through Seguin. We monitor both dockets and close pre-foreclosure deals in both counties every month.
New Braunfels Areas We Buy In
We buy pre-foreclosure homes across New Braunfels, Gruene, Landa Park, Mission Hills, Oak Run, Walnut Springs, Vintage Oaks, Havenwood, River Chase, Canyon Lake (Startzville, Sattler), Bulverde, Garden Ridge, Cibolo, Schertz, and Seguin.
County Coverage
Comal County first-Tuesday sales post at the courthouse in New Braunfels. Guadalupe County sales post in Seguin. Same timelines, different courthouses — we work both.
Local Property Values
Comal County pre-foreclosure properties typically range from $220k to $600k+. Our offer accounts for actual payoff, remaining equity, and condition — not a template.
Military Homeowners
Military households in Cibolo, Schertz, and Garden Ridge sometimes face foreclosure after a deployment, PCS relocation, or spouse income change. We move fast.
Inherited & Older Homes
Inherited homes with a delinquent mortgage are common — the prior owner stopped paying in their final months. We close before the trustee sale and coordinate with the estate.
Local Market Conditions
New Braunfels retail sales take 60–90+ days to close on average. A pre-foreclosure timeline of 30 days from posting to auction rules out any traditional listing. Cash is the only realistic path.
Service Area
Service area: New Braunfels, Gruene, Canyon Lake, Startzville, Sattler, Spring Branch, Bulverde, Garden Ridge, Cibolo, Schertz, Seguin, Marion, and McQueeney.
“The Notice of Trustee Sale came in the mail 18 days before the auction. I called on a Monday. We had a written offer Tuesday, opened title Wednesday, and closed the following Thursday — 9 days before the sale. My credit didn't take the foreclosure hit.”
— S.P., Oak Run, New Braunfels
Related Resources
Helpful Reading From Our Team
Texas Foreclosure — Statewide Guide
The full pillar on §51.002, the 21-day notice, and how Texas foreclosures actually work.
Read moreInherited Home in Foreclosure
Estate mortgages that fell behind — closing before the auction and coordinating with the executor.
Read moreDivorce & Foreclosure Together
When missed payments during separation triggered a Notice of Trustee Sale.
Read moreProbate Property in Foreclosure
Estate house facing auction while probate is still pending — we can close fast enough to cancel.
Read moreWe Buy Houses New Braunfels
City hub — all Comal County situations we handle.
Read moreCommon Questions
Frequently Asked Questions
Stop Your New Braunfels Foreclosure — Cash Close Before the Auction
Every day matters. Get a written cash offer within 24 hours and cancel the trustee sale.