I have been staying with a friend to save money. My friend has decided to leave and possibly let his home foreclose. What are my options in TX?

Asked by sumsol2012, San Antonio, TX Fri Aug 16, 2013

Yes, I know that he shouldn't do this. I understand that and he understands too but he is stubborn. But this question is about me and my future, not him. My intention was to stay here with him rent-free until I finish grad school. I am looking for expert opinions concerning how long I can potentially stay here, what to do about the HOA, etc. Expert thoughts?

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Carlos Ares’ answer
Carlos Ares, Agent, San Antonio, TX
Sat Aug 17, 2013
First of all, tell your friend that there are other alternatives to persue before he ets the house go into freclsure. Please check this web site http://www.sahomevalues.com.
Carlos Ares
0 votes
Annette Law…, Agent, Palm Harbor, FL
Wed Jul 9, 2014
Sum in San Antonio,
As I am certain you understood before you posted your question, this is a highly complex and extremely high risk and unpredictable situation.

There exists multiple directions of activity, the most productive depend on the co-operation of the owner.

Here is what you should do.
Pick up the phone and speak with a REALTOR at the local Remax office.
After reviewing your situation and objectives, set up a meeting with the REALTOR and the current owner of the home. Based on the co-operation of the owner, the lender(s) involved, time available, and the end game of the owner, a strategy can be put in place. This strategy, with the co-operation and participation of the owner may extend your stay significantly.

This is way to complex to attempt directing you via the internet.
Doing nothing is the worst possible decision of the owner.
Do as I've suggested and let the Remax professional communicate the options and urgency.

If you choose to take no action, and simply choose to spend time, you will come home one day and find the locks changed.

We quickly overcome the bad decisions we make but live to regret the decision we let other make for us. Your friend is heading down a path of great peril.
0 votes
Jason Campbe…, Agent, San Antonio, TX
Wed Jul 9, 2014
Oh man that's a tough question to answer. Who knows how long the bank will actually take to foreclose on the home. In theory, you could be there a very long time before the Sheriff's office posts a notice to vacate on the door...

If the owner of the home is gone, the mortgage is not being paid, and you are living there... you are basically a squatter at that point.

Here are some websites you might find helpful:



You can also google "squatter rights texas"

Hope that is helpful

web: http://www.SAHomeExpert.com
0 votes
Kristen Gils…, Agent, Corpus Christi, TX
Tue Sep 3, 2013
You should look into a cash for keys program. this program exists for tenants who occupy a home that is foreclosed on or owners who can not afford to even vacate the property. You may be able to stay in the property and even receive an incentive for moving out. Like I said, look into it... it may not even exist in Texas any more.
0 votes
Kay Kirby, Agent, San Antonio, TX
Sat Aug 17, 2013
That is a legal question and as realtors we can not answer that question, because we are not attorneys and can not practice law. You should talk to an attorney.
0 votes
I am just a person that was invited to stay at a house and the owner left the house. I am not very worried about legal troubles. I just want to know when I will likely have to leave.
Flag Sat Aug 17, 2013
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