Author: Rick Baker

When it comes to real estate transactions in Texas, buyers typically encounter three primary categories: traditional sales, short sales, and foreclosures. Each category presents its own set of advantages and disadvantages. Generally, short sales and foreclosures tend to offer more affordable pricing, albeit with potential drawbacks. It is crucial for buyers to understand that the … Continued

Finding yourself in a situation where you are upside-down on your mortgage can present challenges for homeowners in Texas. Whether you got caught up in a bidding war, experienced a setback in making mortgage payments, or witnessed a decline in property values, it is crucial to assess your options. If you are contemplating selling your … Continued

Dealing with a situation where your mortgage surpasses the value of your home can pose significant challenges, especially if you need to sell quickly due to personal or financial reasons. This scenario can lead to immense stress, making the idea of selling seem daunting. Yet, being aware of the options at your disposal can bring … Continued

Stop Bankruptcy in San Antonio If you find yourself in a situation where you own a home at the time of filing for bankruptcy, it automatically becomes part of the bankruptcy estate, which includes all your property and assets. In October of 2022, there was a notable twenty-seven percent increase in chapter 13 bankruptcy filings … Continued

Stop foreclosure in San Antonio Stopping foreclosure in Texas is no joke—but let’s be honest, it feels like trying to defuse a ticking time bomb with a spoon. The idea of losing your home can be terrifying, but don’t start packing those moving boxes just yet! There are real steps you can take to hit … Continued

Avoid Foreclosure Facing foreclosure can feel like navigating a storm without an umbrella, especially for homeowners in Texas. Beyond the fear of losing your home, the hit to your credit score and financial future can leave lasting impacts. But don’t lose hope—there are options! One of the best lifelines available is working with direct property … Continued

Facing pre-foreclosure in Texas might feel like you’re stuck in a bad reality show—”Homeowner vs. Bank.” But don’t grab the popcorn just yet! Pre-foreclosure is actually the “warning light” stage where you still have options to turn things around. You can work with your lender, sell the home, or refinance before the situation escalates. It’s … Continued

It’s no secret that foreclosure rates in America are on the rise. This can affect the Texas real estate market in all sorts of ways. The housing market has always been a volatile industry. With fluctuating prices, ever-changing regulations, and unforeseeable economic conditions, it can be challenging for homebuyers and home sellers to navigate the … Continued

The wheels that drive foreclosures turn very slowly, and there is ample opportunity to steer the ship in a new direction and salvage your future. Sadly, foreclosure is entirely avoidable, yet lives are often damaged for years because homeowners weren’t fully informed of the consequences and took no action to prevent the process.  Whatever circumstances … Continued