Texas Department of Housing & Community Affairs - Building Homes and Strengthening Communities

Foreclosure Prevention Resources for Homeowners

For most families, a home is not only a significant financial investment but also a source of pride. The loss of a home, due to unexpected events such as unemployment or divorce, can be financially and personally devastating; you can keep your home…if you know the right steps to take. Taking action now can help you protect your family from the loss of your home. Contact your lender as soon as you realize that you have a problem. Below are helpful links about foreclosure prevention. Remember, if you have fallen behind on your payments, there are alternatives to foreclosure.

Housing and Urban Development (HUD): Free Foreclosure Intervention Counseling
A free certified counseling agency may be able to help you save your most important asset and get your finances back on track. Contact a US Department of Housing and Urban Development (HUD)-approved Foreclosure Intervention Counseling organization. Call toll free 1-800-569-4287 or find a HUD-approved Foreclosure Intervention Counseling organization on the HUD Web site (Texas search results page).

Homeownership Preservation Foundation (HPF)
Homeowner's HOPE™ Hotline is a counseling service provided by the Homeownership Preservation Foundation. For further information, please call the hotline at 1-888-995-HOPE (4673) or visit

Making Home Affordable (MHA)
The Making Home Affordable Program (MHA)®, an official program of the departments of the Treasury and Housing and Urban Development, provides a broad range of foreclosure prevention solutions, including lower monthly mortgage payments for struggling homeowners, as well as options for unemployed or underemployed homeowners and those who owe more than their homes are worth.

Housing and Urban Development (HUD): Guide for Avoiding Foreclosure
Whether you're in foreclosure now or worried about it in the future, we have information that can help. https://www.hud.gov/topics/avoiding_foreclosure

Federal Housing Administration (FHA)
Losing a home can be financially and personally devastating. Relief may be available. If you are...

  • Facing money problems,
  • A disaster area victim,
  • On active military duty or your spouse is on active military duty.

Additional Mortgage Assistance from FHA is available. Borrowers having difficulty paying their mortgages will be eligible to refinance into FHA-insured mortgages they can afford.

Freddie Mac's Avoiding Foreclosure

Office of The Attorney General Of Texas
One of the many responsibilities of the Attorney General (OAG) of Texas is to serve and protect the rights of all citizens of Texas. Below are useful links and helpful information and resources from the Attorney General for homeowners who are having trouble keeping up with their mortgage payments:

For Texas foreclosure laws and regulations, see the following articles by the Real Estate Center at Texas A&M University:

Texas Foreclosure Law Summary

Helpful Phone Numbers:

  • Housing and Urban Development (HUD) 1-800-569-4287
  • Federal Housing Administration (FHA) 1-800-225-5342
  • Homeownership Preservation Foundation (HPF) 1-888-995-HOPE (4673)