What to do today in a Houston foreclosure
This is an educational site. We are not a law firm, not a HUD counselor, and we do not represent you with your lender or in court. Free help is listed under Who to call.
Texas can take a home to auction on the first Tuesday of the month after required notices. Next date: October 6, 2026. This page is what to do today. The full index is under Guides. Texas and Houston numbers — not national reprints — are on Briefs.
If a sale is posted this week
Skip the rest of this page. Open the notice, write down the date and the street address, and use the numbers on Who to call (Avenue CDC, Tejano Center, Fifth Ward CRC, HOPE 1-888-995-HOPE, Lone Star Legal Aid).
Start with the job you have today
- How foreclosure works in Texas — 20- and 21-day notices, first Tuesday or Wednesday. 2026 dates.
- How many payments can you miss? — 30/60/90/120 days and what a posted sale date means.
- How to avoid foreclosure — call the servicer early, skip scams, use HUD counselors.
- How to try to keep the house — reinstatement, loss mitigation, selling, and what we will not do.
- Who to call — Avenue CDC, Tejano Center, Fifth Ward CRC, HOPE, Lone Star Legal Aid.
Do this before you pay anyone
- Open every lender and trustee letter. Write down the sale date.
- Call the number on your mortgage statement and ask for loss mitigation.
- Call a HUD-approved counselor. They are free. We are not a substitute for them.
- Ignore anyone who wants a large fee up front or a deed signed this week.
Sale locationsMap and addresses for Harris through Matagorda. City name only? Use the city-to-county list. Confirm the street on your notice.2026 first TuesdaysNext sale day is October 6. Confirm the date on your notice.All the guidesNotice of sale, short sale, tax sale, HOA, and rescue scams — the index, not this checklist.
This site does not take messages or cases. If you need help today, use Who to call.