Bexar County · Free advice · No pressure
Facing Foreclosure in San Antonio?
Understand Your Options Before Auction.
If you've received a foreclosure notice or fallen behind on payments, I've helped dozens of San Antonio homeowners in your exact situation — keep their home, sell before auction, or simply understand what happens next. Free. No pressure. No catch.
Choose the Path That Fits Your Situation
Keep Your Home
Loan modification, repayment plans, reinstatement, forbearance, or bankruptcy as a last resort. I've contacted lenders directly on behalf of homeowners — it works more often than people expect.
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Sell Before Auction
If selling makes sense, I can connect you with cash buyers who close fast. You protect your equity and your credit rather than losing everything at the courthouse steps.
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Short sale, Payment Take Over
Owe more than the home is worth? A short sale or deed in lieu can let you walk away with far less credit damage than a completed foreclosure. We can also take over payments.
Legal and financial routes
Sometimes the right move is an attorney or HUD counselor. I'll tell you honestly if that's the case and point you toward the right people — at no cost to you.
TEXAS IS A NON-JUDICIAL FORECLOSURE STATE.
How fast can this move?
Faster than most people realize.
In Texas, lenders don't need a court order. Here's the typical sequence once you miss payments.
| Day 1 Missed payment Grace period starts. Late fees applied. Nothing Public | Day 30-90 Notice of Default Formal notice sent. You can still cure the default at this stage | 20 Days After Notice Notice of Sale Lender files and posts a foreclosure sale notice. Clock accelerates fast! | Day 51 minimum Auction Date First Tuesday of every month. Property sells at the county courthouse. | After eviction Eviction Possible New owner can proceed with eviction. Equity gone. Credit hit severe. |
| ⓘThe earlier you call, the more I can do. Before the notice of sale is posted, we have the most tools available. After it posts, options narrow - But they don't disappear. Reach out at any stage. |
ABOUT JUSTIN
I know what financial hardship feels like. That's why I do this.
I'm Justin Tejeda — a San Antonio investor and property owner who's been in the trenches of local real estate for years. I own rental properties here in the city, I've bought and sold distressed homes, and I've called lenders directly on homeowners' behalf to negotiate with banks.
But I've also been through personal financial hardship myself. I understand the anxiety of not knowing what happens next. That experience is what drives me to give you straight, honest information — not a sales pitch.
I'm not a real estate agent. I don't get paid to push you toward one outcome. My goal is to make sure you understand every option before you make any decision.
•Years of active San Antonio real estate experience
•Has personally called lenders on homeowners' behalf
•Has helped people both keep their home and sell before auction
•Operates with local investor partners — not a solo operation
But I've also been through personal financial hardship myself. I understand the anxiety of not knowing what happens next. That experience is what drives me to give you straight, honest information — not a sales pitch.
I'm not a real estate agent. I don't get paid to push you toward one outcome. My goal is to make sure you understand every option before you make any decision.
•Years of active San Antonio real estate experience
•Has personally called lenders on homeowners' behalf
•Has helped people both keep their home and sell before auction
•Operates with local investor partners — not a solo operation
People I've helped — in their own words.
Real San Antonio Homeowners These aren't made-up testimonials. These are neighbors I sat across from and found a real way forward with.
Focused on Bexar County's highest-need neighborhoods
These five zip codes have the highest foreclosure activity in San Antonio right now. Each has a dedicated page with local data, neighborhood context, and the options most relevant to homeowners in that area.
Don't see your zip code?
We serve all of Bexar County including 78201, 78207, 78217, 78250, 78239 and surrounding areas.
Learn MoreThings people ask before they call.
If you're hesitant about reaching out, one of these might answer your first question.
Does this cost me anything?
No. My first conversation with you is completely free with no obligation. If something works out where I can help — connecting you with a cash buyer or facilitating a deal — I get paid through that transaction, not from your pocket upfront.
I already have an auction date. Is it too late?
Not necessarily. I've helped homeowners with auction dates just days away. Options narrow as the date approaches, but they don't disappear. Call me as soon as possible — even if your date is this week.
Are you just going to try to buy my house?
No. My first job is to lay out every option honestly — keeping your home, loan modification, short sale, or a cash sale. I only get involved in a purchase if it genuinely makes sense for you. And I'll tell you directly if it doesn't.
How fast does Texas foreclosure actually move?
Texas is a non-judicial state, so lenders don't need a court order. A property can go from default to auction in as little as 51 days in some cases. That speed is exactly why reaching out early matters so much.
I'm embarrassed about my situation. Will you judge me?
Not even a little. I've been through financial hardship myself and I've sat across from dozens of good people who hit unexpected trouble — job loss, medical bills, divorce, death in the family. There's nothing to be embarrassed about. Call me like you'd call a neighbor.
Foreclosure Moves Fast — But So Do We
One conversation — free, no pressure, no judgment — is all it takes to understand where you stand and what your real options are.
210-570-4787
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