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Behind on payments in Houston? You have more options than you think.

Texas foreclosures can move fast. The sooner you act, the more choices you keep. We'll help you understand all of them, not just selling.

  1. 1Tell us where you stand
  2. 2Review every option
  3. 3Choose your path
  4. 4Protect your equity

Get Free Foreclosure Options

How we help

We start with a no-pressure conversation about your timeline, your loan, and your goals. Then we lay out the paths that fit your situation.

  • Pre-screen for homeowner-assistance programs
  • Info on talking to your lender about a workout
  • A fast cash sale if keeping the home isn't realistic
  • Referrals to HUD-approved housing counselors

How foreclosure timing works in Texas

Most Texas home loans can be foreclosed without going to court. For a homestead, the lender generally has to send a notice of default with at least 20 days to cure, then a notice of sale at least 21 days before the sale date. Foreclosure sales in Texas are held on the first Tuesday of the month.

Every situation is different. Talk to a housing counselor or attorney about your specific deadlines.

Options to consider

  • Reinstatement: catching up on missed payments
  • Loan modification or forbearance with your lender
  • Homeowner-assistance programs, if you qualify
  • Selling before the sale date to protect your equity
  • Talking with a bankruptcy attorney about your rights

Houston foreclosure questions

Can I still sell my house if I'm in foreclosure?

Usually yes, up until the sale. A sale can pay off the loan and protect your remaining equity.

Do you charge for foreclosure help?

No. Reviewing your options with us is free.

Is this legal advice?

No. We are not attorneys. For legal questions, talk to a Texas attorney or a HUD-approved housing counselor.

Don't wait for the first Tuesday.

Get your options today, at no cost and no obligation.

See My Options