My forbearance ended. What happens next?
Do I owe everything at once?
Not necessarily. Many servicers offer repayment plans, deferral, or a modification once forbearance ends. Ask which options apply to your loan type.
What if I can't afford any of them?
Ask about loss-mitigation review, talk to a housing counselor, and consider whether selling makes sense.
Educational information only. Not legal advice, and no outcome is promised. Laws change, so consult a licensed Texas attorney or HUD-approved housing counselor.