If you're facing a difficult property situation, you don't have to make a rushed decision. Take a few minutes to understand your options privately before deciding what comes next.
That's completely normal. Many homeowners receive letters, calls, and texts from several companies at once, and simply want reliable information before speaking with anyone.
You're welcome to read everything here without giving us your name. Nothing on this page asks you to commit to anything, and there is no next step you have to take today.
Read at your own pace. We'll never chase you for a decision.
Understanding your options costs nothing and commits you to nothing.
Plain-language explanations written for homeowners, not investors.
Browse anonymously. If you contact us, your details stay with us.
Choose whatever sounds closest to your situation. We'll point you to the reading that fits — no form, no phone call.
Educational articles written for Texas homeowners.
Understand the typical Texas non-judicial foreclosure timeline — from first missed payment to the courthouse steps auction — so you can plan your options.
Read Article
If you are behind on your mortgage in Texas, you generally have four paths: reinstate, modify, sell, or explore legal options. Here is a neutral overview of each.
Read Article
You can usually sell a Texas home right up until the foreclosure auction. Here is how the timing, payoff, and closing typically work.
Read Article
Inheriting a home in Texas comes with paperwork, deadlines, and choices. A calm 30-day checklist for heirs and executors.
Read Article
Cash offers close fast and as-is. Traditional listings usually net more money. Here is a plain comparison so you can pick the right path.
Read Article
A Notice of Sale means a Texas foreclosure auction is scheduled. Here is what the notice actually means and the practical steps to take right now.
Read ArticleTexas foreclosure moves fast — as little as 21 days from Notice of Sale to auction. Here is what you can still do at each stage, and when options run out.
Read ArticleThese are informational summaries of paths homeowners often research. Availability depends entirely on your loan, your servicer, and your circumstances.
A change to the terms of an existing mortgage, offered at the servicer's discretion.
Some servicers review hardship applications and may adjust the interest rate, term, or past-due balance. Eligibility, documentation, and timelines are set by the servicer and the loan investor.
A HUD-approved housing counselor can review your paperwork with you at no cost.
Spreading missed payments across future months instead of paying a lump sum.
Repayment plans add a portion of the past-due amount to regular monthly payments for a set period. They generally require enough ongoing income to cover the higher payment.
Ask your servicer's loss-mitigation department what plans your loan type allows.
Bringing the loan fully current by paying the total past-due amount plus fees.
Reinstatement figures are quoted by the servicer and are only valid through a stated date. Homeowners sometimes fund reinstatement with savings, family help, or proceeds from another asset.
Request a written reinstatement quote before relying on any figure.
Selling the property for less than the loan balance, with lender approval.
A short sale requires the lender to accept the sale proceeds as settlement. Approval timelines vary, and there can be tax and credit implications depending on your circumstances.
Talk with a licensed attorney and a tax professional before pursuing a short sale.
A traditional listing or a direct sale completed before a scheduled sale date.
When there is equity, selling before an auction can allow a homeowner to control the timeline and keep any remaining proceeds. Timelines are tight, so title and payoff details matter.
Confirm your payoff amount and any liens with your servicer and a title company.
Where homeowners can find qualified, low-cost, or free help.
HUD-approved housing counseling agencies, local legal aid organizations, and the Texas State Bar lawyer referral service are common starting points for homeowners seeking guidance.
Get Home Resolve does not provide legal, tax, or financial advice.
This information is educational only and is not legal, tax, or financial advice. For guidance about your specific situation, consult a licensed attorney, a tax professional, or a HUD-approved housing counselor.
We believe homeowners deserve to understand every option before making a decision this important.
We don't push anyone toward selling. If keeping the home is the better outcome, we'll say so.
If selling turns out to be the best fit for your goals, we're here to help — on your timeline.
Request a confidential Property Review and we'll review your situation together.
