Contact your servicer
Use the number on your mortgage statement. Ask for the loss-mitigation team, available assistance, and a written list of next steps.
Questions to take with youDallas–Fort Worth · Homeowner guidance
Your home matters.
So does your
next move.
Behind on payments, facing a notice, or simply worried about what comes next? Understand your options, your home's value, and the questions to ask before you decide.
Local real estate guidance from David McElroy, Texas broker.
Make a plan that fits.
I want to stay in my home
Understand your options.
Learn what to ask your mortgage servicer about payment relief and where to find independent housing counseling.
Explore home-retention options
I'm considering selling
Know what you could keep.
Review your property's market value, loan payoffs, selling costs, and time available before making a decision.
Explore a property review
15 minutesAn initial conversation about your situation
No obligationA free initial real estate review
Your next stepA clearer view of value, timing, and resources
Start here
First, understand the deadline.
Then, explore the choices.
If you have a foreclosure sale notice, contact your servicer and a Texas attorney promptly. A request here does not stop a sale or extend a deadline.
Get independent help
A HUD-approved housing counselor can help you understand assistance options. Foreclosure-prevention counseling is available at no cost.
Find a housing counselorReview your property
If you are considering a sale, review current market value, debt payoffs, closing costs, and the time needed to complete a transaction.
Request your property reviewHomeowner resources: Consumer Financial Protection Bureau. Housing counseling: 888-995-4673.
Keeping your home
There may be a way
to get back on track.
Your servicer evaluates assistance based on your loan, hardship, and program rules. Ask what is available and how each option affects your future payments.
- Forbearance or repayment. Temporary relief or a schedule to catch up. Missed payments still have to be addressed.
- Modification or deferral. Changes to loan terms or treatment of past-due payments, where eligible.
- Help reviewing the offer. A HUD-approved counselor can explain the options your servicer provides.
Considering a sale
Equity can create choices.
Timing matters, too.
A useful sale plan starts with realistic numbers and a clear view of the time available to close.
- Positive equity. A sale may cover debt and leave money for your next home.
- Limited or negative equity. A short sale requires lender approval. Review any remaining debt and tax consequences with qualified professionals.
- A scheduled auction. Listing your property does not stop foreclosure. Confirm any postponement with the appropriate parties.
Let's talk about your next step
A private conversation.
A clearer picture.
Request a free, 15-minute conversation with David McElroy about your property's market value and selling options.
David McElroyTexas Real Estate Broker · #0489516
Prefer to reach out directly?
817-966-9495david@daviddmcelroy.comReal estate guidance. Not legal advice.
This website provides general educational information, not legal advice. It does not provide tax, credit, or lending advice. Consult a Texas-licensed attorney about your rights and deadlines. No outcome is guaranteed.
If a sale is scheduled, contact your servicer and attorney now. Do not wait for a response to this request.
Request your property review
Tell us a little about your property. We'll use your email to respond to this request.