Forbearance ended and the sale date is coming
Forbearance paused payments. It did not erase them. When it ends, the arrears are still there. Some people get a mod. Some get a repayment plan. Some get a notice of sale. The last group googles this.
We do not put you back in forbearance. We do not call the servicer to restart a workout. If you want to keep the house, start with who to call for free help.
If you cannot catch up and you want to sell, we buy Houston-metro houses as the purchaser. Do it before a Fort Bend clerk posting if you can. After posting, the first Tuesday is the calendar.
Behind on the mortgage is the same conversation without the forbearance label. Talk about selling.
What the statute actually says
Forbearance is a pause, not forgiveness. The CFPB is plain: you still owe the full amount, and you pay the difference later. Read it: What is mortgage forbearance?
When the pause ends, the missed payments are still on the loan. Federal consumer guidance tells you to plan the exit with the servicer — not to assume the arrears vanished. CFPB: Exit your forbearance carefully.
If the file then goes to a Texas trustee sale, the calendar is statute. Property Code § 51.002 requires a public sale on the first Tuesday (or the first Wednesday if that Tuesday is January 1 or July 4), with notice of sale at least 21 days before. A forbearance that already ended does not rewrite that section.
Servicers of federally related mortgages also have loss-mitigation procedures under 12 C.F.R. § 1024.41. Those rules are about how the servicer handles an application. They are not a button we can press. We do not restart your workout. We buy if you want to sell while you still own it.
Statute links are the official text. This site is not a law firm. We buy houses. We do not give legal advice.
We do not stop a foreclosure sale. We are the buyer, not your agent.
Related: Is this house in foreclosure? · Sell a house in foreclosure · How we buy · Default letter · Owe more than it is worth · Fort Bend sale months