Foreclosure Prevention

• Home Retention Program
• Foreclosure Workshops
• Counseling Forms
• FAQ's on Foreclosure
• EHLP
• Resource Information

Home Retention Program

Are you afraid you may lose your home?

BCL has certified housing counselors that are able to work with you and your lender to try to keep you from losing your home. Our counselors will help you analyze the problem and identify your options. If possible, we'll help you negotiate a plan with your lender that will result in bringing and keeping your mortgage current. If that's not possible, we'll help you figure out what to do next.

While BCL of Texas does not provide financial assistance, our counselors can help:

• Assess your financial situation and provide realistic solutions and objective guidance

• Intervene on your behalf with your mortgage lender to develop a workout plan, if appropriate

• Help you find community services that can help you with food, energy assistance and other needs

• Assist you in developing a realistic budget to move you and your family through the financial crisis

BCL's team of counselors have been able to work with families through out Texas so you don't have to be located in our immeadiate areas to receive assistance. You can call or email us to schedule an appointment time to come in or you can call us to recieve counseling over the phone.

• Phone Counseling: Call in to one of our offices and request to speak to a Homeownership Counselor. BCL of Texas has homeownership counseling available to assist you and discuss your personal situation.

• One-on-One Sessions: This 1-2 hour meeting with one of our highly skilled Foreclosure Prevention Counselors will begin the process to evaluate if your particular situation is negotiable with your lender. Counseling sessions are offered in either English or Spanish at our offices. No Walk-Ins allowed, RSVP only.

If you would like to speed up the intake process, download all the forms on our counseling forms page and fill them out ahead of time for your session. You can email to your counselor or bring them in with you.

If you do not have access to a printer to print the forms, you can call or email us to have the information mailed to you.