Free guide for Texas homeowners

Owe more than your home is worth? Know your options first.

The Texas Short Sale Seller Guide explains, in plain English, how a short sale works here, what it means for the debt and your taxes, and what to do before the foreclosure clock runs short.

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What's inside

First page of the Texas Short Sale Seller Guide by Vincent Hill
  • How the Texas foreclosure timeline works, and why acting early keeps more options open
  • Ten options compared side by side, from loan modification to a traditional sale
  • The short sale process step by step, including the TREC Short Sale Addendum
  • What happens to the remaining debt under Texas deficiency rules
  • The 2026 change in how forgiven mortgage debt is taxed
  • What to do if you inherited a home that's underwater
  • How to spot foreclosure rescue scams, plus free Houston-area help

6 pages · PDF · Updated for 2026

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Who it's for

Serving Houston and surrounding areas.

Homeowners falling behind

You've missed payments, or expect to, and want to understand your choices before a foreclosure date is set.

Owners who are underwater

You need to sell, but the home is worth less than what you owe and you can't cover the difference.

Heirs and executors

You inherited a home with a mortgage the estate can't keep current, and need to know who can sell and how.

Vincent Hill

From Vincent Hill, Realtor

I'm a Houston-area Realtor with Real Broker, LLC, certified as a Probate Real Estate Specialist, a Short Sales and Foreclosure Resource (SFR®), and a Pricing Strategy Advisor (PSA). I wrote this guide so you can make this decision with clear information, not pressure.

This guide is general information, not legal or tax advice. Please talk with a Texas attorney and a tax professional about your situation.