Discrimination: Fair Housing Act
(Separate Website)
Explains the protections from housing related discrimination under the Fair Housing Act and what you to do if you think you have been discriminated against.
By: Texas Tenants Advisor
Fair Housing Laws
(Separate Website)
By: US Department of Housing and Urban Development
Read this in:
Spanish / Español
Fair Housing: Equal Opportunity for All
(Separate Website)
Booklet covers the various aspects of the Fair Housing Act and the protections it provides.
By: U.S. Dept. of Housing & Urban Development
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Spanish / Español
Filing a Housing Discrimination Complaint
(Separate Website)
By: US Department of Housing and Urban Development
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Spanish / Español
Housing Discrimination Intake Form
(Separate Website)
Use this form to file a housing discrimination complaint in writing. You may also call the Division office using the toll free number: 1-888-452-4778, between the hours of 8:00 AM and 5:00 PM.
By: Texas Workforce Commission Civil Rights Division
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Spanish / Español
How To File a Housing Discrimination Complaint
(Separate Website)
By: Texas Workforce Commission Civil Rights Division
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Spanish / Español
How to Recognize Housing Discrimination
(Separate Website)
Read this to find out if you may have been the victim of housing discrimination.
By: Texas Workforce Commission Civil Rights Division
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Spanish / Español
Mortgage Discrimination
(Separate Website)
The Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA) protect you against discrimination when you apply for a mortgage to purchase, refinance, or make home improvements.
By: Federal Trade Commission
Texas Fair Housing Act Fact Sheet
(Separate Website)
Read this pamphlet to learn about legal protections under Texas law from housing related discrimination.
By: Texas Workforce Commission Civil Rights Division
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Spanish / Español
All about Home Equity Loans
(Separate Website)
Answers frequently asked questions about home equity loans in Texas.
By: Texas Office of Consumer Credit Commissioner
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Spanish / Español
Avoid Tax Foreclosure if Elderly or Disabled
If you are 65 or older, or are disabled (defined as entitled to receive SSI payments from the federal gov't), then you are entitled to "defer" paying your property taxes and prevent a foreclosure sale by the government.
By: Texas RioGrande Legal Aid - Austin
Home Equity Loans: Borrowers Beware!
(Separate Website)
Don't risk paying off unsecured loans (credit cards) with a loan secured by your home. If you really think you must borrow against your home, look out for these loan terms.
By: Federal Trade Commission
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Spanish / Español
How to Avoid Foreclosure
(Separate Website)
This is a link to HUD's website that has some good information. It does NOT mention the borrower's right to file bankrutpcy. This is sometimes a good option to take in certain circumstances. There are other options not mentioned by HUD that borrowers might have. Additional information will be available soon, however, at present the best source of information about preventing a foreclosure is found with an attorney specializing in the area.
By: US Department of Housing and Urban Development
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Spanish / Español
Reverse Mortgages: Are They for You?
(Separate Website)
This is a guide to assist you in evaluating whether a reverse mortgage is right for you.
By: US Comptroller of the Currency
Tenants Have New Rights If Landlord Foreclosed On
Tenants in Texas previously were forced to vacate by the new owner after a foreclosure sale. A new federal law passed in May 2009 requires new owners of property who purchase property at a foreclosure sale to continue to rent to anyone that was a tenant before the sale.
By: Texas RioGrande Legal Aid - Austin
Other Formats:
Separate Website
Texas Foreclosure Timeline Chart
(Separate Website)
This chart shows the process a lender takes to foreclose on a homestead when the loan being foreclosed on was used to purchase the home, or was a refinance of the purchase loan (not a home equity loan or a tax loan -- court approval is required before a lender can foreclose on these loans).
By: Texas RioGrande Legal Aid - Austin
100 Questions & Answers About Buying A New Home
(Separate Website)
By: U.S. Dept. of Housing & Urban Development
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Spanish / Español
All about Home Equity Loans
(Separate Website)
Answers frequently asked questions about home equity loans in Texas.
By: Texas Office of Consumer Credit Commissioner
Read this in:
Spanish / Español
Adobe Acrobat Reader required. (If you are using a screen reader that does not support PDF format, copy the PDF link, and use the Access Adobe online form to convert this file to HMTL text.)
If you are in need of legal assistance and you are not low-income, please contact your local lawyer referral service or call the State Bar of Texas Lawyer Referral Information Service, Mon.-Fri. from 8 a.m. to 5 p.m. at 1-800-252-9690 or 1-877-9TEXBAR.
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