Texas Foreclosure Process: What Homeowners Need to Know (Step-by-Step Guide)
If you’re falling behind on your mortgage payments and worried about foreclosure in Texas, you’re not alone — and you do have options.
We’ve worked with hundreds of Texas homeowners in tough situations, and we know how overwhelming it can feel. That’s why we put together this step-by-step guide to help you understand exactly how foreclosure works in Texas, what to expect, and where you still have time to take action.
Let’s walk through it together.
📌 Quick Overview: How Foreclosure Works in Texas
Texas is known for having one of the fastest foreclosure timelines in the country — sometimes just a couple of months from missed payment to auction.
The good news? Even with that fast timeline, there are points where you can pause the process, explore your options, or even sell the house before the auction to avoid losing everything.
🪜 Step-by-Step Texas Foreclosure Timeline (For Homeowners)
Step 1: Missed Payment
This is where it starts. If you miss a mortgage payment, your lender will usually give you a short grace period before charging late fees.
You might get a few reminder letters or calls — but things get serious if the loan goes 30+ days past due.
Step 2: Demand Letter / Notice to Cure
Your lender will send something called a Notice of Default or Demand Letter. This gives you 20 days to catch up before they move forward.
📬 This is a big red flag. If you get this letter, it’s time to take action.
Step 3: Notice of Sale
If the 20-day window passes without payment, the lender can file a foreclosure sale notice.
Here’s what happens:
- The auction date is set for the first Tuesday of the next month
- You get a copy of the notice in the mail (certified)
- It’s posted at the county courthouse and filed with the clerk
👉 You’ll have at least 21 days’ notice before the actual foreclosure sale date.
Step 4: Foreclosure Auction
Texas foreclosure sales happen on the first Tuesday of each month — RAIN or SHINE.
If no action is taken, your home could be sold at auction to the highest bidder. Often, this ends up being the lender.
Step 5: Eviction (If Still Occupied)
After the sale, if you’re still living in the house, the new owner can file for eviction through the courts. This process usually takes about 1 to 3 weeks, but the clock starts ticking fast.
⏱ Texas Foreclosure Timeline Summary
| Step | What Happens | When |
|---|---|---|
| Missed Payment | You fall behind | Day 1 |
| Demand Letter | Get 20 days to catch up | Day 30 |
| Notice of Sale | Sale is scheduled | Around Day 50 |
| Foreclosure Sale | House auctioned off | Day 72+ |
| Eviction (if needed) | Court process begins | Day 80–100 |
What Can You Do to Stop Foreclosure in Texas?
If you’re reading this and feel the pressure mounting — don’t panic. You have more options than you think, especially before the auction happens.
At Love Investors, we’ve helped Texans just like you:
- ✅ Sell quickly for cash before the foreclosure hits your credit
- ✅ Work out a creative solution (like a short sale or rent-back)
- ✅ Buy time while you figure out your next move
*Filing bankruptcy can also TEMPORARILY postpone a foreclosure. Please seek legal advice from an experienced BK attorney local to you.
💬 Let’s Talk While There’s Still Time
You don’t have to go through this alone. If you’re feeling stuck, stressed, or just need someone to help walk you through your options, reach out. We’re a Texas team based in Arlington, TX and we’ve helped hundreds of families keep control of their future.
📞 Call us today at 817-751-7476
🌐 Visit us at loveinvestors.com/stop-foreclosure-texas
Every day counts. Let’s talk.