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Select the option that best fits your situation:
Every homeowner's situation is different. Explore the path that feels right for you.
Access local Temple programs helping with past-due payments directly through your lender or state funds.
Negotiate better terms with your lender to lower monthly payments and cure the default over time.
Sell before the auction, pay off the debt immediately, and save your credit score from a foreclosure record.
Understanding the Texas Property Code and foreclosure timelines is critical to knowing how much time you truly have.
Visit Texas Legal AidIn Texas, lenders must send a Notice of Default giving you 20 days to cure. If not cured, a Notice of Sale is posted 21 days before the auction (always the first Tuesday of the month). Total minimum time is usually 41 days, but you should act immediately.
Yes, via a Short Sale. The lender agrees to accept less than what is owed to avoid foreclosure costs. It beats foreclosure on your credit report. We can negotiate this for you.
Never. We are a family-owned company in Texas and believe support should be free. We only get paid if you decide to sell your home to us or use our realtor services, but advice is always 100% free.
If you want deeper detail, these guides walk through timelines, delinquent taxes, and next steps in Texas.
Texas deadlines, options, and what to do first.
30/60/90 day options and how to protect your credit.
Penalty schedule and what happens if you do not pay.
If selling fast is your best option, start here.
If time is tight, request an offer or call us. We will walk you through your best next step.