We buy houses in Lubbock, TX
— cash offers and creative solutions
Close With Creative buys houses throughout the Lubbock area. Tell us about your Lubbock property and within 24 hours you get every structure it qualifies for: a cash offer at 70-80% of market value closing in 7-14 days, creative financing at 90-110% of market value closing in 30-60 days, a novation at 85-95% of final sale price closing in 45-90 days, or a wholesale offer at 65-75% of market value closing in 14-30 days. You make no repairs, pay no agent commission, and pay no closing costs. You pick which path and which date.
To sell a house fast in Lubbock, TX: request an offer from Close With Creative, receive all four structures within 24 hours, and close on your chosen date. Cash closes in 7-14 days; creative financing pays 90-110% of market value over 30-60 days. There is no fee to the seller on any path.
Selling in Lubbock: the appraisal district's tax bill, deferred taxes and tax sales
In Lubbock County the tax bill comes from the appraisal district. The Texas Comptroller's county directory notes that the Lubbock County Tax Assessor-Collector, at 916 Main Street, Suite 102, does not collect property taxes. The Lubbock Central Appraisal District, LCAD, takes the payments. It is at 2109 Avenue Q, open weekdays 8:30 a.m. to 5 p.m., (806) 762-5000. Checks, money orders and cashier's checks can go in the drop box outside after hours or the one in the lobby during the day, but cash cannot. Paying online by e-check carries a $1.50 charge.
When a bill goes unpaid
LCAD's payment notice says 2025 taxes became delinquent on February 1, 2026, with 7 percent penalty and interest added that day and 2 percent more on the first of each month until July. On July 1 delinquent real property taxes carry a 12 percent penalty, 6 percent interest and a 20 percent collection penalty. If the house is the owner's residence homestead, the owner may qualify for a payout agreement once taxes are delinquent.
Deferred taxes on an older owner's home
Homeowners who are 65 or older or disabled can defer the property taxes on their residence homestead for as long as they own and live in it, by filing a tax deferral affidavit with LCAD. The district says a deferral only postpones the bill and does not cancel it. Past taxes, penalty and interest come due 181 days after the house stops qualifying as a residence homestead. For a family selling a parent's house, LCAD can say what has built up.
Values and protests
A protest of the appraised value is due May 15 or 30 days after the notice was mailed, and LCAD points owners to its online protest system as the fastest route.
Foreclosure and tax sales
The Texas State Law Library's foreclosure guide says mortgage foreclosure auctions are generally held on the first Tuesday of the month between 10 a.m. and 4 p.m. at the county courthouse, run by a trustee or substitute trustee. Tax foreclosure sales are governed by Tax Code section 34.01, may be run by an agent the taxing authority hires, and can be listed on the county tax office's site as well as the clerk's. In Lubbock, LCAD sets a deadline before each tax sale for Form 50-307, the Request for Written Statement About Delinquent Taxes, which must be notarized and carry a $10 fee paid in certified funds.
Whatever you are facing, there is a path
Life rarely sells a home on schedule. These are the situations we are asked about most, and what each one actually changes about your options.
Four ways to sell in Lubbock
Most home-buying companies give you one number. We price your property against all four structures and show you every outcome side by side, so the choice is yours.
Three steps to sell your Lubbock home
- 1
Tell us about the property
A three-minute form or a phone call. We ask what the Lubbock property is, what condition it is in, and what you are trying to achieve. No obligation and no cost.
- 2
Get every structure it qualifies for, within 24 hours
Not one number. We price the property against all four structures and show you what each one pays and how long each one takes, side by side.
- 3
Pick the path and the closing date
You choose. We handle title, the paperwork and the closing costs, and you pick the date that works.
What TX sellers say
Real results from Lubbock-area homeowners
“My uncle passed and left me her house in Lubbock. It needed everything — structural damage and code violations. I live across the country away and couldn't deal with contractors. They bought it as-is and I had a check in 16 days. The novation option got me $35K more than the cash offer.”
Linda B.
Lubbock, TX
“Settling my aunt's estate in Lubbock with multiple heirs across the country. Close With Creative coordinated with our probate attorney, handled remote notarization for out-of-state heirs, and closed without anyone flying in.”
Karen B.
Lubbock, TX
“I was 5 months behind on my mortgage and the mortgage company was sending scary letters every week. Close With Creative called me back within 4 hours, explained my options clearly, and we closed in 19 days. They literally saved my house from foreclosure.”
Margaret A.
Austin-Round Rock-Georgetown, TX
“Going through a divorce in McAllen-Edinburg-Mission is expensive enough without paying 6% realtor commissions. Close With Creative gave us a fair cash offer, handled everything through the title company, and both parties walked away satisfied. Professional and discreet.”
David C.
McAllen-Edinburg-Mission, TX
“I had a triplex in Killeen-Temple with tenants who hadn't paid rent in 5 months. Every cash buyer I called gave me a lowball number. These guys presented four different options — I picked novation and got $22K more than the next best offer.”
Sandra D.
Killeen-Temple, TX
“Job relocation from San Antonio-New Braunfels to Seattle with 3 weeks notice. I couldn't list and wait. They had an offer in my hands the next morning and we closed before I started my new job. The creative finance option was something no other buyer even mentioned.”
James E.
San Antonio-New Braunfels, TX
What every Lubbock homeowner should know before selling
These are Texas rules, and they apply to your sale wherever in the state the property sits. We handle each of them at our cost.
⚖️ Closing Process
Texas closings are handled by title companies. We coordinate all closing logistics at zero cost to you Texas Real Estate Commission .
Texas Real Estate Commission🏛️ Non-Judicial Foreclosure
Texas uses non-judicial foreclosure through deed of trust with power of sale, one of the fastest in the nation at about 60 days from notice to sale Texas Courts .
Texas Courts💰 No State Transfer Tax
Texas has no state transfer tax or stamp tax on real estate transactions. We cover all other closing costs Texas Comptroller .
Texas Comptroller📊 Texas Market Snapshot
Median home price: ~$340,000 (up 3.0% year-over-year). Median days on market: 45. 40% of homes sell above list price. Our guaranteed, no-contingency offers eliminate market uncertainty Texas Association of Realtors .
Texas Association of Realtors🗺️ We Know Texas
From the Alamo in San Antonio to the Space Center in Houston, from the Dallas skyline to the Hill Country of Fredericksburg. Whether eating brisket at a legendary smokehouse, catching Friday night football, or two-stepping at a dance hall in Gruene - we buy houses in every corner of Texas.
Other Texas markets we buy in
Selling a house in Lubbock, TX — common questions
Do you buy houses anywhere in the Lubbock area?
Yes. We buy throughout the Lubbock area and across Texas, in any condition and any price band. If the property is outside that metro but still in Texas, we still buy it.
How fast can I get an offer on my Lubbock home?
Within 24 hours of telling us about the property. That covers all four structures, not just a cash number. Cash and wholesale close in 7-14 days and 14-30 days; creative finance and novation take longer because they pay more.
How fast can I sell my house in Texas?
Close With Creative provides a competitive cash or creative financing offer within 24 hours of evaluating your Texas property. If you accept, we can close in as little as 7 to 14 days, or on whichever date fits your timeline. Texas closings are handled by title companies.
Do I need to make repairs before selling my Texas home?
No. We buy all Texas properties completely as-is. You do not need to clean, paint, repair the roof, fix the foundation, or address code violations. We handle all maintenance and renovation after closing.
Are there any fees or commissions when selling to Close With Creative in Texas?
Zero. No agent commissions, no listing fees, no closing costs. Texas has no state transfer tax or stamp tax on real estate transactions. We cover all other closing costs. The offer you accept is exactly what you receive at closing.
What types of properties does Close With Creative buy in Texas?
We purchase single-family homes, townhouses, condos, duplexes, multi-family properties, mobile homes, vacant land, and commercial properties throughout Texas. Any condition — fire damage, water damage, outdated, code violations, or perfectly maintained.
How does Texas's foreclosure process work?
Texas uses non-judicial foreclosure through deed of trust with power of sale, one of the fastest in the nation at about 60 days from notice to sale. Selling to Close With Creative before foreclosure completes protects your credit and preserves your equity.
What is the difference between a cash offer and creative financing in Texas?
A cash offer means we pay the full price at closing using our own funds, typically within 7 to 14 days. Creative financing structures the purchase over time, often resulting in a higher total payout — sometimes 90% to 110% of market value. We present both options along with novation and wholesale paths so Texas sellers can choose the best fit.
Can I sell my Texas house if I still have a mortgage?
Yes. Most Texas homeowners who sell to us still carry a mortgage. At closing, your existing mortgage is paid off from the sale proceeds through the title company. If you owe more than your home is worth, we may still have creative solutions available.
How do transfer taxes or closing costs work in Texas?
Texas has no state transfer tax or stamp tax on real estate transactions. We cover all other closing costs.
What Texas cities and areas do you serve?
We buy properties across all of Texas's major markets. From the Alamo in San Antonio to the Space Center in Houston, from the Dallas skyline to the Hill Country of Fredericksburg. If it's in Texas, we'll make an offer.
How do you determine the offer price for my Texas property?
We analyze recent comparable sales, current market conditions, property condition, and repair estimates. Texas's median home price is approximately $340,000 with homes selling in about 45 days on market. Our valuation process is fully transparent — we share the data behind every offer.
Get your free offer options in Lubbock today
Tell us about the property and we will come back within 24 hours with every structure it qualifies for. No fee, no obligation, and you pick the closing date.