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Are You 4 Months Or More Behind On Payments & Need Help To Get Out Of Foreclosure?
Are You 4 Months Or More Behind On Payments & Need Help To Get Out Of Foreclosure?
We are the most trusted advocacy group helping and protecting families from foreclosure. Our mission is to help homeowners facing foreclosure understand their rights and options.
We are the most trusted advocacy group helping and protecting families from foreclosure. Our mission is to help homeowners facing foreclosure understand their rights and options.
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Before you hire or pay anyone, before you send any attorney or company documents or your hard earned money, contact us! There are many scams and unqualified companies preying on those in trouble with their bills.
Our Dedicated Team of Hardship Analysts Are Trained To Help With:
Stopping Foreclosure
Contacting Your Mortgage Company the Proper Way
Modifying Your Mortgage
Finding Verified Qualified Licensed Legal Help for Legal Matters
Help with Understanding Your Current Options
Help with Ensuring a Company or Individual You are About to Hire/Pay is Legitimate and Licensed
Help with Any and All Questions Related to Your Mortgage and Foreclosure
We Truly Care About the People We Work With
Here's just a few testimonials from our past clients
“I fell behind on payments for my house and the bank almost foreclosed on my home. The team at Blue Home Relief helped me so much, they helped me get out of this situation and saved my home!”
Stewart Gibbins
Houston, TX
“I was about to lose my home in foreclosure in Sugar Land, TX. Blue Home Relief understood my problem and they had their affiliated company, Blue Capital Homes give me a great cash offer for the house & we closed in a week! ”
Kim Smith
Sugarland, TX
We Offer The Easiest & Quickest Solution to Stop your Forelcosure in Houston
Our 4-Step Simple Process
Contact
Us
Fill out the from or call us directly. One of our Hardship Specialists will be ready to assist you based on your specific needs and help you with loss mitigation..
Send Information
Send your Hardship Analyst some requested documentation and they will identify the best solution based on your current situation.
Get
Options
Your Hardship Analyst will get in contact with you and provide you all your options. They'll be able to share all options along with the pros and cons. Then, it's up to you to make your decision!
Save
Your Home
We're here to support you with whatever decision you make based on your options. At the end of the day, our mission is to help you save your home from foreclosure!
What Are My Rights During Foreclosure in Texas?
In Texas, homeowners facing foreclosure have several important rights designed to protect them throughout the process. Firstly, you have the right to receive a detailed notice of default, giving you an opportunity to cure the delinquency and apply for loss mitigation. During this time, you also have the right to reinstate the loan before the sale and potentially stop the foreclosure by paying the overdue amount.
Top Solutions to save your home from Foreclosure
Reinstate the Loan
Loan Modification
Partial Claim
Sell your House for Cash or Creative Finance
When Can a Foreclosure Start in Texas?
We understand the complexities and challenges that come with foreclosure in Texas. If you’ve fallen behind on your mortgage payments and are concerned about when foreclosure could begin, our team is here to help. The process can start quickly—often after just one missed payment—and we work with you to navigate the system, offering solutions that fit your unique situation.
In Texas, lenders are required to follow specific legal steps, such as sending a Notice of Default and a Notice of Sale, which give you some time to act before foreclosure becomes final. Our expert team will guide you through this critical timeline, ensuring you understand every step and exploring ways to prevent foreclosure, whether through payment plans, loan modifications, or other options.
We’re committed to helping you avoid the loss of your home by providing personalized advice and strategies that give you more control over the situation. From negotiating with lenders to representing your interests, we offer professional services to protect your home and financial future. Let us be your trusted partner in navigating the foreclosure process.
What Types of Foreclosure Are Available in Texas?
We are dedicated to helping homeowners understand their options when facing foreclosure in Texas. There are two primary types of foreclosure processes that you should be aware of: non-judicial foreclosure and judicial foreclosure. Our team of experts is here to guide you through each process and provide tailored solutions to protect your interests.
Non-Judicial Foreclosure: This is the most prevalent type of foreclosure in Texas, where the lender can initiate the process without court intervention. After a borrower defaults on their mortgage, a Notice of Default is sent, followed by a Notice of Sale if the default is not cured. We offer comprehensive services to help you navigate this process, from negotiating with lenders to exploring options that may prevent foreclosure, ensuring you are informed and prepared for each step.
Judicial Foreclosure: Though less common, judicial foreclosure involves court proceedings and can be a more complex and lengthy process. If a lender chooses to pursue this route, it may be due to specific circumstances outlined in the mortgage agreement. Our knowledgeable team is equipped to represent you in court and provide the support you need to understand your rights and options. We are committed to working closely with you to find the best solutions, whether that means negotiating with your lender or exploring alternatives to foreclosure.
We are committed to providing personalized guidance through both types of foreclosure processes. Our goal is to empower you with the knowledge and resources necessary to protect your home and financial future. Let us be your trusted partner in navigating these challenging times.
What Are the Steps Involved in the Nonjudicial Foreclosure Process in Texas?
The non-judicial foreclosure process in Texas involves several key steps that lenders must follow to repossess a property when a borrower defaults on their mortgage. Here’s a breakdown of the steps involved:
Missed Payment and Default: The process begins when a borrower misses a mortgage payment. After 120 days of non-payment, the lender may send a Notice of Default to inform the borrower of the missed payment and the impending foreclosure action.
Notice of Default: This notice formally alerts the borrower that they are in default. It provides a specific timeframe—usually 20 days—for the borrower to catch up on payments or remedy the default. During this period, the borrower can explore options to prevent foreclosure, such as negotiating with the lender or seeking financial assistance.
Notice of Sale: If the borrower fails to cure the default within the 20-day window, the lender will issue a Notice of Sale. This notice must be sent to the borrower and filed with the county clerk, and it typically must be provided at least 21 days before the scheduled foreclosure auction. The notice includes details about the auction date, time, and location, and is also posted at the county courthouse.
Foreclosure Auction: The foreclosure auction takes place on the first Tuesday of the month. The property is sold to the highest bidder at a public auction. If the property is sold, the new owner takes possession, and the borrower loses their rights to the property.
Post-Sale: After the auction, the new owner may initiate eviction proceedings if the previous owner does not vacate the property. The borrower can still explore options such as a reinstatement of the loan or redemption (if applicable) to recover the property, but these options may be limited.
Navigating the non-judicial foreclosure process in Texas can be complex, but you don’t have to face it alone. We are committed to helping you understand each step and empowering you to make the best decisions for your future. Let us be your trusted partner in finding solutions and protecting your home.
In Most Cases, Selling Your House Fast to our affiliated company Can Be The Best Option For You ... Even Better Than Listing with an Agent! In Fact, We've Outlined The Benefits of Selling to Blue Capital Homes Instead of Listing Below:
Selling to Blue Capital Homes
Pay No Fees or Commissions - You don't have to worry about agent fees or closing costs!
Fast Sale Date - Need to sell your house fast? Close on your house in as little as 14 days!
As-Is Condition - Does your home have minor or even major repairs? Our affiliated company buys houses as-is so you never have to worry about spending money on repairs!
No Open Houses or Showings - They are ready to buy your house now... So you never have to worry about wasting time waiting for the right buyer to come along!
Get Your House Sold! - Our affiliated company buys houses with cash so you never have to worry about financing falling through!
Listing with an Agent
Expensive Agent Commissions - Listing your house with an agent means losing out on thousands of dollars when you sell!
Slow Sale Date - Selling with an agent can take up to 3-6 MONTHS!
Repair Your House - When listing your house you'll have to put your own money into repairing your house so it's in 'livable' conditions and that means less money for you.
Open Houses & Showings - Agents have to take the time to show your house to 'potential' buyers which means it takes longer for your house to sell and it may never sell!
Buyer Fallout - When you sell the traditional way most buyers are not qualified to get a loan to buy which means risk of not selling at all!