A home is often the biggest single investment in a consumer's lifetime. This is why it is very important that consumers are fully informed of their rights and responsibilities as homeowners.
Below are several useful links to information about the Office of the Attorney General's actions on behalf of Texas homeowners and resources for homeowners who seek assistance in buying a home or who are having trouble keeping up with their mortgage payments.
Texas Attorney General's Enforcement Action Provides Restitution to Texas Homeowners
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SAN ANTONIO – Texas Attorney General Greg Abbott today announced the conclusion of the state’s enforcement action against Foreclosure Assistance Solutions... read more
Attorney General Abbott Launches Restitution Program For Countrywide Customers
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AUSTIN - Texas Attorney General Greg Abbott today launched a restitution program that will make $7.46 million available...read more
Attorney General Abbott Charges Home Loan Servicer With Violating State Debt Collection Laws
AUSTIN – Texas Attorney General Greg Abbott today charged Coppell-based American Home Mortgage Servicing Inc. (AHMS) with using illegal debt collection tactics...read more
Attorney General Abbott Calls for a Halt on Foreclosures While Loan Servicers Review Their Business Practices
AUSTIN -- The Texas Attorney General's office has called for a halt on all foreclosures, all sales of properties previously foreclosed upon...read more
Attorney General Abbott Signs Agreement With Wells Fargo Resulting In Mortgage Relief
EL PASO – Texas Attorney General Greg Abbott today reached an agreement with Wells Fargo & Co. that will provide $5 million ...read more
Texas Joins Mortgage Foreclosure MultiState Group
AUSTIN – Texas Attorney General Greg Abbott today joined the Mortgage Foreclosure Multistate Group, a coalition of 50 attorneys general...read more
Attorney General Abbott Takes Enforcement Action Against Lubbock Mortgage Firms
LUBBOCK – Texas Attorney General Greg Abbott is charging two Lubbock mortgage companies and their owners with orchestrating a complex scheme ...read more
If you have fallen behind on your mortgage or know that you will soon face problems keeping up with monthly payments, the worst thing you can do is nothing. Get immediate help.
You might first consider calling your lender or servicing agent and ask to speak with their loss mitigation department to find out if you are eligible to renegotiate terms of your loan, including a forbearance (temporarily suspending payments, to be repaid later or bundled into the remaining balance of your loan) or perhaps even changing the interest rate that you pay.
Whether or not a consumer can renegotiate a loan with their lender is determined by many factors, including how soon you call.
Consumers can also get assistance in dealing with their lender by contacting a local non-profit counselor approved by the Department of Housing and Urban Development (HUD).
To contact HUD's referral hotline call:
View a directory of HUD-approved counseling services in Texas.
Consumers can also get help by calling counselors with the Homeowner's Hope Prevention Hotline, sponsored by NeighborWorks and the Home Ownership Preservation Foundation.