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topics: Avoiding foreclosure in Texas, Texas mortgage default, foreclosure help, Texas mortgage problems

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Texas foreclosure help, avoiding foreclosure, mortgage problems
A consumer's guide to resources about avoiding foreclosure in Texas, help with mortgage problems, and news about the mortgage crisis in Texas, with a directory of HUD-approved Housing Counseling Agency in Texas

Avoiding foreclosure in Texas, mortgage default and mortgage problems

 
This is not a debt-relief system. We do not sell, endorse or recommend any product or service. We are not a mortgage company, broker, or financial institution. We are a public service.

Our editors selected these web pages and brochures from government, education, and non-commercial sites to provide help for people needing information about these subjects. These are not paid listings.

 
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If you have mortgage or default problems, or are trying to avoid foreclosure:

The resources on this page are intended to help you research and answer questions you might have about mortgages, foreclosures, and mortgage default in Texas.

The U.S. Department of Housing and Urban Development makes these recommendations if you are having trouble keeping up with your mortgage payments or have received a notice from your lender asking you to contact them.
  • Don't ignore the letters from your lender
  • Contact your lender immediately
  • Contact a HUD-approved Housing Counseling Agency
  • Toll FREE (800) 569-4287
  • TTY (800) 877-8339
You can find a list here: list of HUD-approved Housing Counseling Agencies in Texas

The full text of the HUD recommendations is available at (HUD) Tips for Avoiding Foreclosure
 

Information and help about Avoiding Foreclosure, Foreclosure Help, Mortgage Problems and Default in Texas:

U.S. Department of Housing and Urban Development Web page:
HUD in Texas Helping Homeowners Keep Their Home

source: U.S. Department of Housing and Urban Development
languages: English
from the web page:"...Under the new FHASecure plan, FHA will allow families with strong credit histories who had been making timely mortgage payments before their adjustable rate mortgage reset, but are now in default, to qualify for refinancing...

 
more from U.S. Department of Housing and Urban Development:
web page
Contact HUD: Texas
languages: English
from the web page: "The Director's Office is your first point of contact at HUD. If you have general questions about HUD or its programs, please call or email us… Phoenix Field Office… Tucson Field Office..."
web page:
Avoiding Foreclosure: Texas

source: HUD in Texas
languages: English
from the web page: "Don't lose your home! Here is some guidance on default and foreclosure prevention. ..."

web page:
Quiz - Mortgage Foreclosure Facts

source: Real Estate Center at Texas A&M University
languages: English
from the web page: "With foreclosures on the rise, now might be a good time to test your knowledge of current Texas mortgage foreclosure laws. Laws governing tax foreclosures and property owner association foreclosures sometimes differ and are not included in the quiz..."

brochure or publication:
Consumers Struggle With Mortgages, Foreclosures

source: Texas Attorney General
1 page; languages: English
from the brochure or publication: "MY OFFICE OFTEN RECEIVES COMPLAINTS involving home mortgages. Many of those complaints come from consumers who encounter a foreclosure scam. For example, con artists have been known to purchase lists of homeowners who are facing foreclosure... We have also heard about companies that claim to be able to get your mortgage “released” by the holder for a fee of $2,000. .."

 
more from Texas Attorney General:
brochure
Know the Facts About "Exotic" Mortgages
1 pages; languages: English
from the brochure or publication: "Many home buyers trying to keep up with an ever-changing market are turning to what at first appear to be attractive loans with very low monthly payments..."

Legal Aid help about mortgages and foreclosure in Texas

Web site:
TexasLawHelp.org

from the web site: "...online resource for free and low-cost civil legal assistance in Texas..."

Help with Predatory Lending in Texas

brochure or publication:
Beware of Predatory Lending Scams

source: Texas Attorney General
languages: English
from the brochure or publication: " Recently, we learned about a new loan scam being advertised in newspapers. Texas consumers told us that they saw newspaper ads for loans to "large fund borrowers." This odd term was probably meant to suggest that a large amount of money was available...Don't allow yourself..."

brochure or publication:
Mortgage Loan Fraud in Texas

source: Texas Department of Savings and Mortgage Lending
20 pages; languages: English
from the brochure or publication: "... Mortgage INCREASING! – YES! Why? Significant profits; Commission driven compensation; Limited regulatory/investigative resources; Recruitment of accomplices is easy; Pizza delivery employee today – loan officer tomorrow; Drug criminals converting; Professional con-men/women learning the trade...."

web page:
What is Mortgage Fraud?

source: Texas Department of Banking
20 pages; languages: English
from the brochure or publication: "Mortgage fraud is committed if a person intentionally or knowingly makes a materially false or misleading written statement to obtain a mortgage loan. Examples of criminal mortgage fraud includes, but is not limited to, illegally inflating property appraisals; concealing a second mortgage from a primary lender; and concealing or stealing a borrower’s identity..."

Mortgage help for veterans in Texas

web site:
What is the VA Home Loan Guaranty Program?

source: Veterans Home Loan Guaranty Benefits & Services - Phoenix Regional Office
languages: English

Texas HUD-approved Housing Counseling

The U.S. Department of Housing and Urban Development strongly recommends that you should immediately contact a HUD-approved housing counseling agency and arrange an appointment with a counselor, especially if you don't feel comfortable talking with your lender. Click A Directory of Texas HUD-approved Housing Counseling Agencies

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Avoiding foreclosure in Texas

Texas Foreclosures, Mortgage Help NEWS



City may go door to door to stem foreclosure tide

source: Star-Telegram.com

Sat, Apr. 26, 2008
"Arlington has the distinction of being the North Texas submarket with the most property foreclosures, and city officials are reaching out to financially distressed homeowners..."

Foreclosures cut wide swath across Dallas, Fort Worth

source: Dallas Morning News

Friday, February 29, 2008
"On weekends, Coppell real estate agent Tess Langevin loads up a bus full of potential homebuyers and heads out to look at foreclosed properties. ..."

Homeowners get guidance on avoiding foreclosure

source: Dallas Morning News

12:00 AM CST on Sunday, February 17, 2008
"Foreclosure prevention fair shows how to close door on mortgage crisis...."

Study: Texas takes No. 3 spot in foreclosure totals

source: Dallas Business Journal

"OOver the 31 days in the first month of 2008, 14,698 homes in the Lone Star State entered the foreclosure process, according to the latest report by Irvine, Calif.-based RealtyTrac Inc..."

Coping with a Foreclosure Crisis

source: Office of the Arizona Attorney General

September 14, 2007
"Arizona's subprime loans and foreclosures are reaching record levels in Arizona and across the country. Arizona ranks second behind Nevada for the most subprime per capita loans in the country..."

Attorney General Abbott Urges Top Lenders, Loan Servicers to Address Growing Housing Crisis

source: Texas Attorney General

10-24-2007 "HOUSTON - Texas Attorney General Greg Abbott today obtained a temporary restraining order and asset freeze against an unlawful Texas-based" ..."

 

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