Free foreclosure help in Texas

Who to call first, by situation

• You are not behind yet but expect to be

  As soon as you see trouble coming

  Call your servicer and ask about a forbearance or repayment plan. The Texas State Affordable Housing Corporation: Foreclosure Prevention page lists free housing counseling contacts, and a counselor can help you plan before you miss a payment.

• You are behind but have not received a foreclosure notice

  Before you are 120 days behind

  Ask your servicer for a loss mitigation application and send everything it asks for. Use the TexasLawHelp: Foreclosure guides to understand your options, and get a counselor's help with the paperwork.

• You received a notice of default or Rule 736 court papers

  Within days; the cure period can be as short as 20 days

  Use the TexasLawHelp: Legal Help Directory to find a free legal aid office near you. The Texas State Law Library: Foreclosure Guide explains each stage and links to the statutes and court rules. On a home equity loan, write down your Rule 736 response deadline from the citation.

  Tex. Prop. Code § 51.002(d); Tex. R. Civ. P. 736.5

• A sale date is set

  Today; the sale can be 21 days after the notice of sale

  Call the trustee named on the notice of sale to confirm the date, and call your servicer about any pending application. For legal advice on stopping the sale, contact legal aid through the TexasLawHelp: Legal Help Directory or a private attorney through the State Bar of Texas Lawyer Referral and Information Service.

  Tex. Prop. Code §§ 51.002(b), 51.0075(e)

• Your servicer is not following the rules

  Before the sale if possible

  File a complaint with the Texas Department of Savings and Mortgage Lending: Consumer Complaints (877-276-5550) if your servicer is a state-licensed mortgage company. Missing or late notices can also matter in court, so talk to legal aid too.

  Tex. Prop. Code § 51.002

• A foreclosure rescue company or investor contacted you

  Before you sign or pay anything

  Texas law bars a foreclosure consultant from collecting a fee before every promised service is done unless it has posted a surety bond, and you may cancel the contract at any time. Never sign over your deed to someone promising you can stay. Report problems through the Texas Attorney General: File a Consumer Complaint page.

  Tex. Bus. & Com. Code ch. 21

Official and nonprofit help in Texas

None of these charge homeowners for foreclosure help.

• Texas State Affordable Housing Corporation: Foreclosure Prevention

  Lists foreclosure prevention resources and housing counseling contacts for Texas homeowners.

• Texas Department of Housing and Community Affairs: Homeowner Assistance Fund

  Official page for the state mortgage relief program, which is now closed.

• Texas Attorney General: File a Consumer Complaint

  Takes complaints about scams and unfair business practices, including foreclosure rescue fraud.

• TexasLawHelp: Foreclosure

  Free plain-language guides and forms on foreclosure from Texas legal aid organizations.

• TexasLawHelp: Legal Help Directory

  Search tool to find free or low-cost legal aid offices near you.

• Texas State Law Library: Foreclosure Guide

  State law library guide that explains each stage of foreclosure and links to the statutes and court rules.

• Texas Department of Savings and Mortgage Lending: Consumer Complaints

  Takes complaints against state-licensed mortgage companies and servicers.

  877-276-5550

• State Bar of Texas Lawyer Referral and Information Service

  Refers you to a private lawyer in your area for a consultation.

Texas Homeowner Assistance Fund (TXHAF)

The state's page says that as of April 15, 2025, the Texas Homeowner Assistance Program is closed and no longer assisting homeowners. We did not find another statewide mortgage payment program that is open. The Texas State Affordable Housing Corporation lists foreclosure prevention resources and counseling contacts.

Check the program’s current status

Common questions in Texas