TEXAS IS A NON-JUDICIAL FORECLOSURE STATE.
In Texas, lenders don't need a court order. Here's the typical sequence once you miss payments.
| Day 1 Missed payment Grace period starts. Late fees applied. Nothing Public | Day 30-90 Notice of Default Formal notice sent. You can still cure the default at this stage | 20 Days After Notice Notice of Sale Lender files and posts a foreclosure sale notice. Clock accelerates fast! | Day 51 minimum Auction Date First Tuesday of every month. Property sells at the county courthouse. | After eviction Eviction Possible New owner can proceed with eviction. Equity gone. Credit hit severe. |
| ⓘThe earlier you call, the more I can do. Before the notice of sale is posted, we have the most tools available. After it posts, options narrow - But they don't disappear. Reach out at any stage. |