Life is filled with events beyond your control and sometimes financial hardships are experienced. If you are struggling or unable to make your mortgage payments, ESB/TCB Mortgage wants to work with you to see what possible options could be available. It can be hard to catch up once you are behind on your mortgage. No one benefits from a homeowner losing their home. Please take the first step to reach out and contact us.

You should be prepared to discuss:

  • The reason for default
  • Your current financial/employment situation
  • Whether you or someone else occupies the property
  • Whether or not you wish to keep the property

Don’t wait until it is too late

When losing your home to foreclosure you not only lose your home, but all the money you have invested in it. In addition, the foreclosure goes on your credit bureau report and may affect your ability to obtain another mortgage in the future.

The longer you wait the more difficult it will be to overcome your delinquency. You may call our toll free number 1-866-343-6647 for any questions or to schedule an appointment with one of our representatives.

Consider other possible sources of funds

Have you considered other sources of funds that might be available to you? Also, changes in your spending habits can help you save money for your mortgage payments.

Funds you may not have considered.

Your 401k plan, insurance policies, and investment portfolio may be able to provide you with accessible sources of funds. It is critical that you discuss your options with a qualified financial counselor or advisor before you make a decision regarding any of these possibilities.

Free up funds by proactively managing your cash flow. Many people who are behind on payments find that making simple adjustments to their spending habits can make a positive impact on their ability to make their payments. Try to reduce non-essential expenses by cutting expenses such as dining out, going to movies, premium coffee, cable TV, etc.

Be Alert to Scams

Scam artists are contacting distressed homeowners and promising to lower their house payment by modifying their loan or promising relief from foreclosure. Be careful when dealing with any third party claiming they can save your home from foreclosure or get a loan modification for you.

ESB Mortgage wants to work with you directly to review all options that might be available to you.


815 W. Ennis Avenue
Ennis, TX 75119

Office is located on the second floor


Monday thru Thursday
9:00 am – 4:30 pm

9:00 am – 4:00 pm

Contact Us:


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