Midland and Odessa homeowner guide
Updated October 7, 2026
If you are worried about making a mortgage payment, contact your mortgage servicer and a HUD-approved housing counselor as soon as you can. Available options and deadlines depend on your loan and situation; this guide cannot predict or guarantee an outcome.
Steps to take if a payment may be late
1. Call your mortgage servicer
Use the phone number on your mortgage statement or the servicer’s official website. Explain what changed, whether you expect the difficulty to be temporary or ongoing, and when you may be able to resume payments. Ask what loss-mitigation options may be available, what documents they need, and every date you need to know. Keep copies of notices and a record of calls, names, dates, and next steps.
The Consumer Financial Protection Bureau explains how to contact your servicer and ask about mortgage options. Options vary by loan and borrower.
2. Get free, independent housing counseling
A HUD-approved housing counselor can help you understand your choices and prepare to speak with your servicer. Use the CFPB’s housing counselor search or call the HOPE Hotline at 888-995-HOPE (4673). Confirm that an agency is HUD-approved before sharing financial documents.
3. Read notices and get legal help when needed
Open mail and messages from your servicer, trustee, or a court. Do not rely on a general web article to calculate a deadline: the loan, notice, and facts matter. If you receive court papers, have a sale date, or do not understand a notice, speak with a Texas attorney or legal-aid provider promptly.
4. Watch for foreclosure-relief scams
Be cautious of anyone who charges an upfront fee, guarantees they can stop foreclosure or change your loan, asks you to transfer ownership, tells you to stop paying your servicer, or directs payments to someone else. Review the CFPB’s foreclosure-scam warning signs and the Texas Attorney General’s mortgage-scam guidance.
If you are also considering a sale
A voluntary sale may be one option to compare, but asking for an offer does not pause a foreclosure or replace contacting your servicer, counselor, or attorney. Before making a decision, confirm the amount owed, any liens or title issues, expected transaction expenses, possession needs, and the time available under your notices. Review written terms carefully.
For a general comparison, read how a direct offer compares with a traditional listing and our Midland and Odessa cash-sale guide. MRE Home Buyer is operated by MRE HOME BUYER LLC, a real estate investment company. We do not provide mortgage, legal, tax, credit, or foreclosure counseling, and we cannot promise to stop or delay a foreclosure.
If you want to discuss a possible sale of a property in Midland or Odessa, you can share the property details here. You are free to review other options and seek independent advice before deciding.