Can I Stay in My House While Working With a Counselor?

Yes — working with a housing counselor, applying for loss mitigation, or even having a consultation with an advisor does not trigger eviction. You remain in your home throughout this process; eviction only follows an actual completed foreclosure sale, and even then, Texas law requires at least 3 days' written notice before an eviction suit can even be filed.

A common fear that keeps homeowners from reaching out is the mistaken belief that asking for help speeds up losing the house — it's actually the opposite. Engaging early is how most homeowners end up staying.