How to Stop Foreclosure in Texas
If you are behind on mortgage payments, act before your options narrow. Start with your mortgage servicer and an independent HUD-approved housing counselor. A sale can be one option, but it is not the only option and it is not right for every household.
120+
days delinquent
Federal rules generally restrict a first foreclosure filing or notice before this point, with limited exceptions.
37
days before sale
A complete loss-mitigation application received more than 37 days before sale can trigger specific evaluation protections.
$0
HUD counseling
Foreclosure-prevention counseling from HUD-approved agencies is free.
Start here
- 1Call your servicer and ask about loss mitigation.
- 2Open every notice and record every deadline.
- 3Contact a HUD-approved housing counselor.
- 4Compare a sale only after understanding other viable options.
1. Contact your mortgage servicer and keep records
Call the number on your mortgage statement and ask what foreclosure-prevention or “loss mitigation” options are available. Keep a dated log of calls, names, notices, documents sent, and deadlines. Open every letter promptly.
Federal servicing rules generally require servicers to try to contact borrowers early in delinquency and provide information about available loss-mitigation options. The applicable rules and deadlines can differ by loan and situation, so ask your servicer what applies to you.
2. Get free independent housing counseling
HUD-approved foreclosure-prevention counseling is free. A counselor can help you organize documents, understand options, and communicate with the servicer. You can find one through HUD or by calling 800-569-4287.
Be wary of anyone who asks for upfront payment, tells you to stop speaking with your lender, or promises to save your home. Read every contract before signing and seek legal advice if a deadline or ownership transfer is involved.
3. Compare every viable path before choosing a sale
Potential paths may include reinstatement, a repayment plan, forbearance, loan modification, refinance, a traditional sale, short sale, or deed in lieu. Eligibility, timing, taxes, and credit consequences are individual.
If you are in DFW and decide a quick sale is worth evaluating, request a written cash offer alongside—not instead of—your other options. Compare the offer, mortgage payoff, liens, closing costs, timeline, and net proceeds in writing.
Sources and further help
Considering an as-is DFW sale?
Compare a written cash offer with your other available options. There is no obligation to accept.
Explore DFW foreclosure sale options