When a home is nearing default or is already in it, owners have a very narrow window of opportunity to stop foreclosures in Houston before they move forward. Many lenders are more than willing to work with clients, but a breakdown in communication prevents the right steps from being taken. If the process stalls while the clock is ticking, homeowners might lose out on options that could save their property or at least their credit.

Why does this happen?

Unfortunately, many lenders have extremely aggressive collection tactics in place. If a home is in default or is nearing that status, homeowners might receive telephone calls on a daily basis. Even if a homeowner has begun the process of working with the lender, these calls may continue anyway. As the calls continue, many homeowners become understandably agitated and find themselves on the defensive, unwilling to work the issue through.

What Can Homeowners Do?

Fortunately, there are a lot of things homeowners can do to stop foreclosures in Houston. Some of the options at their disposal include:

?Contacting the lender. Ignore the aggressive collection agents and remember the left hand doesn't always know what the right is doing. Insist on speaking with someone in the lender's loss mitigation department. This can result in a negotiated payoff of the past due amount, a reworking of the loan under a hardship program or other similar, positive outcomes. It does pay to hold one's ground and try to work directly with the right people at the lending company. Putting up with the collection calls is a small price to pay to keep a home or avoid foreclosure.

?Ask the lender about a short sale or put the home on the market. Selling homes is an excellent way to stop foreclosures in Houston. If a fast sale is required, lenders might be willing to take less through a short sale process. If there is still some time, go with an aggressive sales campaign.

It is possible to stop foreclosures in Houston. The process very often requires solid communication between a lender and borrower. Working through the process can be a trial in patience, but it can work to a borrower's advantage.

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