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Updated 8 months ago,

User Stats

51
Posts
8
Votes
Alexander Timberlake
  • Houston, TX
8
Votes |
51
Posts

Eviction in Texas - Freddie Mac Loan - 30-Day Notice to Evict or 3-Day Notice to Evic

Alexander Timberlake
  • Houston, TX
Posted

Hello,

I have a townhome in Houston Texas. Unfortunately, the tenants have stopped paying rent and I need to evict. I have paid for an eviction service (https://www.texaseviction.com/). I posted a 3-day notice to vacate or pay rent a few days ago (by myself). However, Texas Eviction is telling me that since my loan is "federally backed" (my understanding is that this means that Freddie Mac or Fannie Mae owns my mortgage loan) that I have to post a 30-day notice instead of a 3-day notice. I have confirmed using this lookup tool: (https://myhome.freddiemac.com/resources/loanlookup) that my property is owned by Freddie Mac (Results of query >> Yes. Our records show that Freddie Mac owns your mortgage.).

Question 1 - Just because Freddie Mac owns my loan, does this actually mean that my loan is federally backed? Or does "federally backed" mean something else?

Question 2 - Is Texas Eviction correct? Does this mean that a 30-day notice is required instead of a 3-day notice?

Some additional data I have found:

https://guides.sll.texas.gov/landlord-tenant-law/eviction-pr...

  • Step 1: Written Notice to Vacate. Unless the lease agreement says otherwise, the landlord must give the tenant at least 3 days to move out. They cannot file an eviction suit before they give this notice in writing. The federal CARES Act requires a 30 day notice in certain evictions where the property participates in certain federal programs OR the property owner has a federally-backed mortgage.

IMO, the CARES act is an unlawful piece of legislation that has poisoned America, but if the above clause is true, it is an OR statement. So I'm thinking that Texas Eviction is correct. However, I am looking for someone with more experience to confirm my understanding and to help me define what a "federally-backed mortgage" actually means.

Sincerely,

Alex Timberlake

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