Your options
Here are the paths homeowners commonly explore. You choose what you want to learn more about.
Asking for help never requires selling your home. Every path below is optional, and the first two cost nothing.
Many homeowners start by contacting their mortgage servicer about loss-mitigation options like repayment plans, forbearance, or loan modification. HUD-approved housing counselors offer free help. Eligibility depends on your lender and situation.
A licensed Texas attorney can review your rights and documents. We can share information about legal aid organizations and the State Bar of Texas lawyer referral service. We do not give legal advice.
If selling makes sense for you, The Santos Home Group — a real estate team affiliated with HomeSmart — can talk about listing on the open market. The timeline matters, so it helps to start early.
Only if you ask, we can arrange a separate consultation with Stone Path Home Buyers, a separate affiliated cash home-buying business operated by DJS Management LLC. A cash sale often brings less than a market sale. Compare before you decide.
That's completely fine. Tell us what's going on and we'll walk through the general options with you, without pressure.