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Credit score report displayed on a laptop screen at home

How Foreclosure Affects Your Credit Score (and How to Protect It)

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A completed foreclosure typically drops your credit score by 100 points or more, according to FICO, and it can remain on your credit report for up to seven years from the date of the first missed payment that led to it. If protecting your credit is a big part of weighing your options facing foreclosure … Continued
woman at home reading notice of sale foreclosure document sitting on a couch with a lamp lit room with toys strewn about on the floor

The Foreclosure Timeline in Texas: What Happens and When

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From a missed payment to an actual auction, a Texas foreclosure often takes just a few months — not the year or more some homeowners expect. If you’re trying to figure out how much time you have left on your options facing foreclosure in Houston, here’s the full timeline, stage by stage. Missed Payment to … Continued
Becky explaining details to homeowner signing paperwork at a kitchen table

What Is a Deed-in-Lieu of Foreclosure?

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A deed-in-lieu of foreclosure means you voluntarily sign your home’s deed over to the lender, in exchange for the lender canceling the remaining mortgage debt. If you’re comparing this against your other paths on selling a house in foreclosure in Houston, here’s how it’s genuinely different — it’s often confused with a short sale, so … Continued
worried couple reviewing bankruptcy paperwork and a court notice at home at the kitchen table

Selling Your House During Bankruptcy in Texas

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Yes, you can sell a house during bankruptcy in Texas — the details just depend on which chapter you’ve filed and how far along your case is. If bankruptcy is part of what’s keeping you weighing your options facing foreclosure in Houston, here’s what actually happens. The Automatic Stay The moment you file for bankruptcy, … Continued
For Sale sign in front of a southwest Houston ranch style home

Traditional Sale vs. Short Sale vs. Foreclosure: Comparing Your Options

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Deciding between a traditional sale, a short sale, or letting the house go to foreclosure? Here’s the short version: a traditional sale protects your credit and equity best but takes the most time, a short sale protects your credit more than foreclosure but needs your lender’s cooperation, and foreclosure does the most lasting damage — … Continued
young woman on the phone reviewing a loan modification worksheet at home on her laptop

Loan Modification, Forbearance, and Redemption in Texas

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If you want to keep your home, loan modification and forbearance are the two paths lenders actually offer — and Texas has one redemption fact that surprises almost everyone. If you’re weighing all your paths on what to do facing foreclosure in Houston, this piece covers the keep-the-house options in detail. Forbearance vs. Modification Forbearance … Continued
Fort bend county courthouse exterior daytime Richmond TX

Judicial vs. Non-Judicial Foreclosure in Texas: What Homeowners Need to Know

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In Texas, foreclosure almost never goes through a courtroom. That’s the short answer to judicial vs. non-judicial foreclosure, and it’s the biggest reason Texas foreclosures move faster than what many homeowners expect. If you’re trying to understand your real options facing foreclosure in Houston, this distinction is worth knowing early, because it shapes your whole … Continued
Close-up of an official Notice of Default letter on a wooden table top

Pre-Foreclosure vs. Foreclosure in Texas: What’s the Difference?

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Pre-foreclosure and foreclosure aren’t two separate processes — they’re two stages of the same one. Pre-foreclosure is everything that happens after you fall behind on payments but before your home is sold; foreclosure is the sale itself. If you’re looking through your real options facing foreclosure in Houston, pre-foreclosure is actually the best time to … Continued
Becky Fields standing outside a single-story ranch rental property in Southwest Houston

 When Being a Landlord Isn’t Worth It Anymore

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If you’ve been quietly wondering whether you’re done being a landlord, you’re not alone, and you’re not wrong to wonder. If selling quickly and simply is starting to sound appealing, it might be worth looking at what your options actually are before you decide anything. There’s nothing wrong with the house, necessarily. Good bones, a … Continued
well-loved grand piano in a home library, still being played after all these years

What Downsizing Really Asks of You

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If you’ve been thinking about downsizing, you’ve probably already considered the practical side. You can find more on that here. But if you’re like most people I talk to, the house was never really the hard part. The hard part is everything inside it. I understand that better than most. My husband and I were … Continued
Siblings disagreeing on what to do with Mom's House sitting around the table looking at each other in serious discussion working on a solution

When Multiple Heirs Don’t Agree What to Do With the House

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If you’ve recently lost someone and there’s a house involved, you already know that the house is never just a house. It carries everything — the memories, the relationships, the unfinished conversations. And if you’re trying to figure out what to do with it alongside other family members who don’t all see things the same … Continued
home with cozy-interior-with-wooden-table-and-lamp with picture window behind couch. Focus is on books and table in foreground.

What to Fix Before You Sell — and What You Can Safely Leave Alone

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There’s a moment a lot of homeowners hit right after deciding to sell. You look around the house, and suddenly, everything looks like a problem. The kitchen feels dated. The carpet has seen better days. The back fence is leaning. And somewhere in the back of your mind, a voice starts adding it all up. … Continued
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