Texas homeowner resource
Facing Foreclosure in Texas? You May Have Options.
Texas foreclosures can move quickly, and acting early usually means more choices. Learn how the process works and ask for help understanding your options — free, confidential, and with no obligation.
- Free
- Confidential
- No obligation
- Not a law firm
What's happening right now?
Pick the closest fit — we'll start your request with that answer already filled in.
How assistance works
Tell us your situation
Answer five short questions about your home and timeline. It takes about 3 minutes. No account needed.
A person reviews it
We'll review your request and contact you as soon as possible. Someone from The Santos Home Group reaches out the way you prefer.
Explore your options
We share information and referrals: servicer assistance, legal resources, or selling. You decide what's right.
Your choices
Asking for help never requires selling your home. These are separate paths — you choose which, if any, to explore.
Stay in your home
Servicer assistance options and free HUD-approved counseling.
Get legal help
Referrals to legal aid and licensed Texas attorneys.
List your home
Sell on the open market with The Santos Home Group.
Request a cash offer
A separate, optional consultation with Stone Path Home Buyers.
Why homeowners can trust this site
How we're paid
The education and referrals here are free. The Santos Home Group earns a commission only if you choose to list your home with us, and Stone Path Home Buyers — a separate, affiliated company — earns only if you choose to sell to it. If neither fits, we point you to free resources and walk away.
What we're not
- Not a law firm — we don't give legal advice
- Not a lender or mortgage servicer
- Not a government agency or nonprofit
- Not a HUD-approved counseling agency
Foreclosure attracts scammers. Know the warning signs.
- Anyone who asks for an upfront fee to help with foreclosure. Charging upfront for foreclosure rescue help is a classic scam red flag.
- Anyone who tells you to stop paying your mortgage servicer, or to send your payments to them instead.
- Anyone who asks you to sign over your deed or sign documents you don't understand.
Warning signs summarized from HUD's foreclosure guidance. Hold us to every one of them.
The Texas timeline, in brief
Most Texas home loans use non-judicial foreclosure, which can be faster than in many states. Knowing the general steps helps you act early.
Read the full timeline →Missed payments
Your servicer typically contacts you about missed payments and options.
Notice of default
Generally at least 20 days to cure the default before acceleration.
Notice of sale
Generally at least 21 days before the sale, posted at the county and mailed.
Sale day
Sales are typically held the first Tuesday of the month at the county.
Free help that isn't us
You don't have to go through us. These independent resources are free, and we encourage you to use them.
- HUD-approved housing counselors
Free or low-cost counseling on mortgage options, or call 1-800-569-4287.
- CFPB mortgage help
Federal guidance on working with your servicer and your rights.
- TexasLawHelp.org
Free legal information and legal-aid referrals for Texans.
- 211 Texas
Local assistance programs, including housing and utility help.
- HUD: avoiding foreclosure and foreclosure scams
Official tips, including how to spot foreclosure rescue scams.
The earlier you reach out, the more options you usually have.
A short conversation doesn't commit you to anything — it just opens paths that can close as a sale date gets closer.