Frequently Asked Questions

We work with a trusted network of real estate investors who purchase homes for cash in the Houston area. Our process is straightforward: you contact us, we schedule a quick property walkthrough, and we present you with a no-obligation cash offer — usually within 24 to 48 hours. If you accept, we coordinate closing with a local Texas title company and you receive cash on your chosen closing date. No agents, no commissions, no delays.

Absolutely not. Requesting a cash offer from Houston Mortgage Rescue is completely free and carries zero obligation. You are never pressured to accept our offer. We present you with a fair cash price and you decide if it works for you. Many homeowners simply want to know what their home is worth — we're happy to provide that information at no cost.

Simply fill out the form on our website or reach out through our contact page. We'll gather some basic information about your property and schedule a convenient time to view it. The entire intake process takes about 15 minutes and can be done by phone or online.

We typically provide your cash offer within 24 to 48 hours of viewing your property. After your initial contact, we schedule a walkthrough at your convenience, assess the property, and consult with our investor network. Most homeowners have an offer in hand within two business days — often faster.

We base our offers on the current market value of your home in its as-is condition, factoring in comparable home sales in your area, the cost of any needed repairs or updates, and current local real estate market conditions. We aim to make the most competitive offer possible while being transparent about how we arrived at that number.

We can close in as little as 7 days when needed. If you're facing foreclosure or need cash quickly, we work urgently to meet your timeline. Conversely, if you need more time to find another home or arrange your move, we can schedule closing weeks or months out. You choose the date that works best for your situation.

Once you accept our offer, we open escrow with a reputable local Texas title company. The title company handles all paperwork, ensures the title is clear, and coordinates the closing. On your chosen closing date, you sign documents and receive your cash payment — typically via wire transfer or cashier's check. The entire closing process usually takes just one to two hours.

No repairs, no cleaning, no staging — ever. We buy homes in any condition, period. Whether your home has foundation issues, a leaking roof, water damage, fire damage, flood damage, outdated plumbing or electrical, or simply hasn't been maintained in years, we'll make an offer. You take what you want and leave everything else — we'll handle all cleanup and repairs after purchase.

We purchase virtually all types of residential and some commercial properties in the Greater Houston area, including: single-family homes, multi-family properties (duplexes, triplexes, fourplexes), condos and townhomes, mobile and manufactured homes on owned land, vacant lots and land, inherited or probate properties, rental properties (with or without tenants), and distressed or condemned properties.

Yes. Houston's flood history means many homes have experienced flood damage, and we have extensive experience purchasing these properties. We understand the complexities of FEMA flood zones, elevation certificates, and flood insurance requirements. We buy flood-damaged homes as-is and handle all remediation after purchase.

This is one of the most common situations we help with. If you've missed payments or received a foreclosure notice, time is critical — but you still have options. We can often purchase your home before the foreclosure sale date, allowing you to pay off your mortgage, stop the foreclosure, and potentially walk away with cash in your pocket. Contact us immediately if you're in pre-foreclosure — the sooner you reach out, the more options you have.

We work with properties that have all types of encumbrances — IRS liens, HOA liens, mechanic's liens, back property taxes, code enforcement violations, and more. In most cases, these amounts are settled at closing from the sale proceeds, meaning you don't need any cash upfront. Our team has experience navigating complex title situations and will work to resolve them as part of the transaction.

Yes, we specialize in inherited property sales. Whether the estate is still in probate or probate has been completed, we can work with executors, administrators, and heirs to purchase the property. We understand that inherited property situations can be emotionally sensitive and legally complex, and we handle everything with care and professionalism.

We frequently help couples sell their shared home as part of a divorce settlement. A cash sale is often the fastest and simplest way to liquidate the marital home and divide the proceeds, without the delays and complications of a traditional listing. We can work with both parties simultaneously and coordinate with attorneys if needed.

None. Zero. We charge no fees, no commissions, and cover all standard closing costs. The cash offer we present is the amount that goes into your pocket. In a traditional home sale, you'd pay a 5-6% real estate agent commission plus closing costs — that's $15,000-$20,000 on a $300,000 home. With us, you keep every dollar of our offer.

When you sell with a realtor, you typically pay 5-6% in commissions, 1-3% in closing costs, spend weeks or months on the market, make repairs and updates to attract buyers, deal with showings and open houses, and face potential financing contingencies that can kill deals at the last minute. With Houston Mortgage Rescue, you skip all of that — we close fast, pay cash, buy as-is, and charge no fees.

Absolutely. All consultations are 100% confidential. We never share your personal information or property details with third parties. There are no public listings, no yard signs, no MLS entries, and no parade of strangers through your home. The entire process is private and discreet.

We encourage you to do your research. Before accepting any offer, you can compare our price to recent comparable sales in your neighborhood (available on Zillow, Redfin, or through a free CMA from a local agent). Our offers reflect real market conditions minus the cost of repairs and our modest margin. We're transparent about our process and happy to explain exactly how we determined your offer price.