What to do when you're behind on your mortgage
What should I do first if I'm behind?
Contact your servicer, ask what options it offers, and read every letter carefully. A HUD-approved housing counselor (1-800-569-4287) can help for free.
How long before foreclosure starts?
Federal servicing rules generally bar a servicer from starting foreclosure until a loan is more than 120 days delinquent, with some exceptions. Texas also requires a notice of default with at least 20 days to cure before acceleration.
Educational information only. Not legal advice, and no outcome is promised. Laws change, so consult a licensed Texas attorney or HUD-approved housing counselor.