How Much Time Do You Really Have to Decide?

Here’s where urgency matters. Once the lender sends the “due and payable” letter, the clock starts.

HUD Timeline

• 0–30 days: Lender notifies estate.

• 6 months: Heirs must resolve the loan.

• Possible extensions: Up to 12 months total if progress is shown.

What Qualifies for an Extension

• You’re under contract to sell.

• You’ve applied for refinancing.

• You’ve listed the property and can show marketing activity.

Failing to communicate can lead to foreclosure even if you intend to act.

If time is slipping by, contact me now. I can help you request an extension and avoid foreclosure: 832-978-2372.