Facing foreclosure in Houston? Plain-language guides for Harris County homeowners. Not a law firm.
This is an educational site. We are not a law firm, not a HUD counselor, and we do not represent you with your lender or in court. Free help is listed under Who to call.
Texas can take a home to auction on the first Tuesday of the month after required notices. If you are in Houston or Harris County and you are behind — or you think you will be — read the matching guide and call a free counselor the same day.
Start with the job you have today
- How foreclosure works in Texas — nonjudicial sales, 20- and 21-day notices, Harris County location.
- How many payments can you miss? — 30/60/90/120 days and what a posted sale date means.
- How to avoid foreclosure — call the servicer early, skip scams, use HUD counselors.
- How to try to keep the house — reinstatement, loss mitigation, selling, and what we will not do.
- Who to call — Avenue CDC, Tejano Center, Fifth Ward CRC, HOPE hotline, Lone Star Legal Aid.
Ayuda en español — plazos de Texas y teléfonos de consejeros en Houston.
Do this before you pay anyone
- Open every lender and trustee letter. Write down the sale date.
- Call the number on your mortgage statement and ask for loss mitigation.
- Call a HUD-approved counselor. They are free. We are not a substitute for them.
- Ignore anyone who wants a large fee up front or a deed signed this week.
Contact form — for questions about these guides, not for last-minute sale emergencies.
Houston Foreclosure Help
The five guides
Who Can I Contact When I Cannot Make My Mortgage Payments?
Free HUD counselors in Houston (Avenue CDC, Tejano Center, Fifth Ward CRC), the HOPE hotline, Lone Star Legal Aid, and Harris County resources. We are not a counseling agency.
How to Avoid Foreclosure in Texas
Call your servicer before you skip a payment, use free HUD counselors in Houston, and skip foreclosure-rescue scams. HAMP ended in 2016.
Foreclosure in Texas: A Detailed Analysis
Texas is a nonjudicial foreclosure state. 20-day default notice, 21-day sale notice, first-Tuesday auctions, and what Harris County homeowners should do next.
How Many Mortgage Payments Can You Miss Before Foreclosure Texas?
There is no single Texas number. Here is what 30, 60, 90, and 120 days delinquent mean, plus the 20- and 21-day notice rules before a first-Tuesday sale.
How Can I Save My House from Foreclosure in Texas?
Reinstatement, loss mitigation, selling before the first-Tuesday sale, and why Houston Foreclosure Help will not represent you with the lender or in court.