Guides

• OptionsAlternatives to foreclosure in Texas, side by sideReinstatement, repayment plans, forbearance, modification, partial claims, short sale, deed in lieu and more — what each is, who it fits by loan type, timing, credit and tax effects.Read the guide
• Federal timelineThe federal loss-mitigation timeline (Regulation X) explainedThe 120-day rule, the 45- and 37-day cutoffs before a sale, the 30-day decision and the 14-day appeal — with a calculator.Read the guide
• ApplyingHow to put together a complete loss-mitigation applicationDocument checklist by loan type, hardship letter tips, budget and the servicer call script.Read the guide
• Selling & leavingShort sale, deed in lieu and cash for keys in TexasHow to prepare, what to ask for in writing, relocation money, and the Texas deed-in-lieu disclosure rule.Read the guide
• Public recordsHow to search Texas county real-property recordsFind your deed of trust, assignments and any notice of sale filed with the county clerk.Read the guide
• Public recordsHow to read your appraisal district recordOwner of record, homestead exemption, value and legal description.Read the guide
• Public recordsWho owns my mortgage? Servicer vs. investorTransfer notices, Fannie Mae and Freddie Mac look-ups, and a written request for information.Read the guide
• Public recordsHow to look up a loan in MERSFind the MIN on your deed of trust and search MERS ServicerID.Read the guide
• Public recordsChecking the assignment chain on your loanLine up the note, deed of trust and assignments and note questions for a lawyer.Read the guide
• Special situationsSurplus funds after a Texas foreclosure saleHow to ask whether money was left over — and why you should not pay a stranger to claim it.Read the guide
• Special situationsEviction after foreclosure in Texas: the 2026 timelineNotice to vacate, the justice-court case, appeal and the writ of possession under the 2025 changes.Read the guide
• Special situationsRenting a home that is being foreclosedNotice periods for tenants under Texas and federal law.Read the guide
• Special situationsInherited a home with a mortgage? Successor-in-interest rightsHow heirs and ex-spouses get confirmed and apply for help.Read the guide
• Special situationsForeclosure protections for servicemembersSCRA and Texas protections during and after active duty.Read the guide
• Special situationsReverse mortgages and older homeowners in TexasWhy a reverse mortgage comes due and what to ask.Read the guide
• Special situationsHOA foreclosure in Texas and the right to redeemCourt requirement, the fines-only bar and the 180-day redemption right.Read the guide
• ScamsSpotting foreclosure rescue scamsRed-flag checker, the Texas foreclosure-consultant law and where to report.Read the guide
• GlossaryForeclosure glossary in English and SpanishPlain definitions of more than 60 terms you will see in letters and court papers.Read the guide

Techoclaro is not a law firm and this is not legal advice. No one can promise a result. Free legal aid and HUD-approved housing counselors can review your situation. Sources are listed with each rule.