HB26-1089 • 2026

Uniform Mortgage Modification Act

The act enacts the 'Uniform Mortgage Modification Act', drafted by the Uniform Law Commission. The act provides that, in the event that a mortgage is modified: The mortgage continues to secure the obl

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor: Rep. C. Espenoza, Sen. M. Snyder, Rep. J. Bacon, Rep. M. Carter, Rep. M. Duran, Sen. J. Carson, Sen. J. Coleman, Sen. T. Exum, Sen. I. Jodeh, Sen. K. Wallace, Sen. M. Weissman
Last action: 2026-03-02
Official status: House Second Reading Special Order - Laid Over Daily - No Amendments
Effective date: Not listed

Plain English Breakdown

The effective date is missing from the provided metadata, so it cannot be included.

Uniform Mortgage Modification Act

This law states that when a mortgage is changed, it still secures the debt and keeps its original priority order.

What This Bill Does

Says the mortgage continues to secure the obligation after it is modified.
States that changing the loan does not affect the priority of the mortgage.
Requires that the mortgage keeps its priority even if the modification agreement is not recorded in public records.

Who It Names or Affects

People with mortgages
Lenders who hold mortgages

Limits and Unknowns

The official source does not state when this law will officially start.
The summary does not explain how lenders must handle these changes in practice.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

L.001

HOU Judiciary

Passed [*]

Plain English: This amendment updates the bill's title to include a specific section of existing state law.

The word 'LAW' in the official name is replaced with 'LAW, INCLUDING PART 2 OF ARTICLE 39 OF THIS TITLE 38'.
This change ensures that Part 2 of Article 39 from Title 38 is officially part of what this new act covers.

The amendment text only shows the name change and does not explain exactly what rules are in 'Part 2 of Article 39' or how they work.
Because the full content of Title 38 is not provided, it is unclear if this adds new requirements to mortgage modifications.

Bill History

2026-04-27 Governor
Governor Signed
2026-04-16 Governor
Sent to the Governor
2026-04-16 Senate
Signed by the President of the Senate
2026-04-16 House
Signed by the Speaker of the House
2026-03-31 Senate
Senate Third Reading Passed - No Amendments
2026-03-30 Senate
Senate Second Reading Passed - No Amendments
2026-03-25 Senate
Senate Committee on Judiciary Refer Unamended - Consent Calendar to Senate Committee of the Whole
2026-03-16 Senate
Introduced In Senate - Assigned to Judiciary
2026-03-11 House
House Third Reading Passed - No Amendments
2026-03-10 House
House Second Reading Passed with Amendments - Committee
2026-03-10 House
House Second Reading Special Order - Passed with Amendments - Committee
2026-03-02 House
House Second Reading Special Order - Laid Over Daily - No Amendments
2026-03-02 House
House Second Reading Laid Over Daily - No Amendments
2026-02-25 House
House Committee on Judiciary Refer Amended to House Committee of the Whole
2026-02-02 House
Introduced In House - Assigned to Judiciary

Official Summary Text

The act enacts the 'Uniform Mortgage Modification Act', drafted by the Uniform Law Commission. The act provides that, in the event that a mortgage is modified:
The mortgage continues to secure the obligation as modified;
The modification does not affect the priority of the mortgage;
A mortgage retains its priority regardless of whether a modification agreement is recorded; and
The modification is not a novation.
(Note: This summary applies to this bill as enacted.)