Behind on your house payments? Let's look at every option before the sale date.
Get a free, no-pressure review of your options. Keep your home if there is a way. Sell on your terms if that is the better move. You decide. If selling ever makes sense, we buy for our own account, and we tell you that up front.
IMPORTANT NOTICE
The First Oak is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.
Rather talk now? Call (817) 632-5756
- No cost to you
- Every option explained in plain English
- Local to Fort Worth
A J&M REI LLC company · Fort Worth, Texas · Not your lender, not a law firm
We know this is hard
Falling behind on a house payment can happen to anyone.
Where you are.
You missed some payments. The letters keep coming. Maybe a sale date is already posted. You do not know how much time you have.
How it feels.
You feel stressed, and maybe ashamed. You do not know who to trust. You worry about your family and your credit.
Why it is hard.
The process is confusing on purpose. Most people never hear about all of their options until it is too late. You should get the full picture first.
Who you will talk to
Hi, I'm Emeka.
The First Oak started in a one-bedroom apartment on Green Oaks Boulevard in Fort Worth. That apartment taught me that a home is more than a title. Today we are a small Fort Worth company, and we still grow slowly, on purpose.
When you call, my team and I listen first. We show you every path we can find. Then you choose.
Started on Green Oaks. Still growing.
If any of these sound like you, we can help.
Behind on payments.
You missed one or more payments and the late notices are coming.
Got a notice of sale.
Your home is posted for a sale date at the county. Time matters now.
Inherited a house.
You got a house through probate or a family member and do not know what to do with it.
Going through a divorce.
The house needs a plan that is fair to both people.
Behind on taxes or HOA.
A lien can turn into a bigger problem. There are options most people do not hear about.
Tired landlord.
Bad tenants, repairs, or a vacant rental that costs you money every month.
Whatever your situation, you likely have more options than you have been told.
How it works: 3 simple steps
No pressure. No obligation. Just a clear picture of your options.
- 1
Tell us your situation.
Fill out the short form or call us. No paperwork. We listen first.
- 2
We show you your options.
We go over the real paths: catching up the loan, a plan with your lender, or a sale on your terms. Plain English. Honest answers.
- 3
You choose your next step.
You decide what is right for your family. We help you get it done with as little stress as possible.
Why time matters
Your options get smaller every week.
We do not say this to scare you. We say it because it is how the Texas process works.
- In Texas, most foreclosure sales happen on the first Tuesday of the month at the county courthouse.
- The notice of sale must be posted at least 21 days before the sale.
- After a sale, the equity you built in the home can be lost.
- A completed foreclosure can stay on your credit report for 7 years.
- It can be 3 to 7 years before you can get a new home loan.
- Some paths, like catching up the loan or a sale on your terms, need time to set up.
The sooner you call, the more options you are likely to have.
Why homeowners trust us
We listen first.
We hear your full story before we talk about any numbers.
We show every option.
Not just the one that is good for us. That includes options that keep you in your home.
No cost to you for this help.
We do not ask you to pay us anything to look at your options.
Everything in writing.
You get time to read every page. You can show it to a lawyer or a family member first.
Please read this
How to protect yourself from foreclosure scams
People in hard times are a target. Here are the warning signs. Share this with someone you love.
“Sign today or the offer goes away.”
A real offer gives you time to think and to talk to a lawyer.
They ask you to pay a fee before your lender gives you an offer.
Federal rules do not allow companies to charge you up front for help with your lender.
They tell you to stop paying your mortgage or to stop talking to your lender.
They do not have real reviews that you can check on Google.
The terms are only explained out loud.
Every term must be in writing, and you must get a copy.
They say “don't worry about the details, just trust us.”
They tell you not to talk to a lawyer or your family.
They ask you to sign over your deed outside of a title company.
Ask that any sale close at a licensed Texas title company.
Not sure about a contract you got? Call us at (817) 632-5756. We will give you an honest second opinion for free, even if you never work with us.
Free tools for Texas homeowners. No signup required.
Which county is the property in?
What does my filing mean?
Look up your county records.
See what your home is worth after costs.
Common questions
No. We do not charge you to review your options.
No. The First Oak is a private company. We are not part of any government program, and we do not work for your lender.
No one can honestly promise that. Your lender makes the final decision on any change to your loan. What we can do is show you every option and help you act fast.
No. If there is a good way for you to stay, we will show it to you. Selling is one option, not the only one.
The First Oak is a Fort Worth real estate company. We are real estate investors. Sometimes the best answer is that we buy the house. Sometimes the best answer is a path with your lender. You choose.
Call us today. If your sale date is close, tell us the date when you call.
Ready to see all of your options?
No pressure. No commitment. Just an honest talk about what is possible for you and your family.
IMPORTANT NOTICE
The First Oak is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.