If you are behind on your mortgage payments, our foreclosure attorney in Houston can help you stop or slow the process before you lose your home.
I have seen how fast one missed payment can turn into a posted sale date here in Harris County.
You still have rights, and you likely have more options than you think.
We help families across Houston protect their homes. We review your loan, notices, and budget, then build a plan that fits your situation.
Texas moves faster than most states. Most home loans here use a deed of trust with a power-of-sale clause. That lets your lender sell your home without going to court. That process is called a non-judicial foreclosure, and it catches many homeowners off guard.
Here is the basic order of events under Texas law:
In Harris County, the auction is held at the Bayou City Event Center, 9401 Knight Road, near NRG Stadium. It starts around 10:00 a.m. and must end by 4:00 p.m.
The notice of sale is also filed and posted 21 days in advance at the Harris County Clerk’s Office, 201 Caroline downtown.
The short timeline is why acting early is so important. Once you get that first letter, the clock is already running.
I hear this story a lot in Houston. A Spring Branch family is doing fine until the main earner gets laid off in an oil-and-gas slump.
Then a storm floods the first floor, and repair bills pile on top of the mortgage. They fall two payments behind, and the certified letters start coming.
If any of this sounds close to home, it is time to call a Houston foreclosure lawyer. Do not wait for the sale date.
You should reach out if:
The earlier you call, the more doors stay open. Waiting until the week of the sale takes many of those options off the table.
Every case is different, so we never use one plan for everyone. After we review your loan and your notices, we pick the tools that give you the best shot at keeping your home.
Common options include:
We also handle the calls with your lender and servicer. That takes the pressure off you and keeps your case on track.
Our founder, attorney Valerie Willis, worked as a registered nurse before she became a lawyer. That background shapes how she treats people. She listens first, looks at the facts with care, and then fights hard for you. Clients call her “a lawyer with a nurse’s heart.”
We also know Houston. We work with homeowners from the Heights to Sharpstown to Sunnyside, and we know how local courts and lenders operate. When you call, you talk to a real person who stays with your case from start to finish.
Here is what you get with our firm:
It can move fast. After your notice of default, you get at least 20 days to catch up. Then your lender must give at least 21 days' notice before the sale. From the first notice to the auction, the process can take as little as a couple of months.
Yes, often you can. You may still reinstate the loan, work out a deal with your lender, or file bankruptcy to halt the sale. The sooner you act after that notice, the better your chances.
Usually not. Many people file Chapter 13 to keep their home and pay back what they owe over time. We will tell you what fits your case before you decide on anything.
It depends on your case. We go over fees up front in your free consultation, so you know the cost before you commit to anything.
You do not have to face your lender alone, nor wait until the sale date to act. The sooner we start, the more we can do to protect your home.
Call us now at 832-915-0607 for a free consultation.
We will review your notices, explain your options in plain language, and help you take the next step with confidence.
