Foreclosure assistance for Houston-area homeowners

The notice periods are set by state law: generally at least 20 days to cure a default, and at least 21 days' notice before a sale. Sales are held on the first Tuesday of the month, between 10 a.m. and 4 p.m.

• Notices of sale are filed with the Harris County Clerk and posted at the courthouse. You can search county records through the County Clerk's office.
• The sale location is designated by the county commissioners court — historically at the Harris County courthouse area in downtown Houston. Your notice of sale states the exact location.
• Harris County is large, and foreclosure lists are long — sale days move quickly, so don't wait for the date to get close before acting.

• HUD-approved housing counselors serve the Houston area and help with servicer applications for free (1-800-569-4287).
• 211 Texas connects you with local housing, utility, and financial assistance programs.
• Legal aid organizations in the Houston area help qualifying homeowners; TexasLawHelp.org lists them.

Save My Texas Home is run by The Santos Home Group, a Houston-area real estate team affiliated with HomeSmart. We explain the process, share free resources, and — only if you ask — talk about selling options, including listing your home or a separate cash-offer consultation with Stone Path Home Buyers. Asking for help never requires selling.