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. If a sale is this week, go to Who to call first — this page is the index.
Every English guide on Houston Foreclosure Help, grouped by topic. County sale addresses live on Counties, not here.
The five core guides
- How foreclosure works in Texas — Power of sale, 20-day default notice, 21-day sale notice, first Tuesday or Wednesday, and why most Houston files never go to a courtroom.
- How many payments can you miss? — What 30/60/90/120 days delinquent usually means, federal 120-day rules, and what a posted sale date actually is.
- How to avoid foreclosure — Call the servicer early, keep paying unless you have a written plan, use HUD counselors, skip rescue pitches. HAMP ended in 2016.
- How to try to keep the house — Reinstatement, loss mitigation, selling before the sale, bankruptcy as a last path, and what this site will not do for you.
- Who to call — Avenue CDC, Tejano Center, Fifth Ward CRC, HOPE 1-888-995-HOPE, HUD locator, Lone Star Legal Aid. We are not a counseling agency.
Topic guides
- Notice of trustee sale — 21-day posting, filing, and mailing. What to copy off the paper before you call anyone.
- Short sale vs. foreclosure — A short sale needs written lender approval. It is not signing a deed this week.
- Tax sale vs. mortgage foreclosure — Same first Tuesday, different case. Paying the bank does not automatically stop a tax sale.
- HOA vs. mortgage — Assessment liens can run on a separate track from the deed of trust.
- Rescue scams — No large upfront fee. No deed this week. HUD counseling is free.
County sale pages
Where the sale is called is a different job from how the process works. Use the Counties map for Harris, Fort Bend, Montgomery, Brazoria, Galveston, Waller, Chambers, Liberty, Walker, Austin, Colorado, Wharton, and Matagorda. Confirm the address on your notice.
Spanish twins of these guides: Guías.