Texas Foreclosure Process:What Homeowners Need to Know
If you’re behind on your mortgage payments in Texas, you’re not alone — and you’re not out of options.
Texas has one of the fastest foreclosure timelines in the country, often moving from a missed payment to auction in just 60 to 120 days. That pace can feel overwhelming, but the good news is: you still have time to act.
Even with that fast timeline, there are still opportunities to pause the process, consider your options, or take steps to move forward on your own terms…BEFORE KEY DECISIONS ARE MADE FOR YOU.
This guide will help you understand what happens at each stage, where the critical deadlines are, and how other homeowners have taken action to protect their future — even when time was short.
Let’s walk through it together.
⏱ Texas Mortgage Foreclosure Timeline Summary
| Step | Day | What Happens |
|---|---|---|
| 1. Missed Payment | Day 1 | You fall behind on your mortgage |
| 2. Notice of Default – Demand Letter | Around Day 30 | Lender gives you 20 days to catch up on payments or “cure” the default |
| 3. Notice of Sale | Around Day 50 or at least 21 days before auction | Foreclosure sale is scheduled |
| 4. Foreclosure Sale | Day 72+ | Home is auctioned to highest bidder or goes back to lender if minimum bid is not met |
| 5. Eviction Process (if needed) | Day 80–100 | New owner or lender files eviction case |
| 6. Eviction Day | TBD by Court Order | Constable removes occupants, personal property, and locks are changed |
Step-by-Step Texas Foreclosure Timeline (For Homeowners)
🪜 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.
🪜 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 huge red flag. If you get this letter, it’s time to take action.
🪜 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 or any month thereafter
- 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.
🪜 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.
🪜 5: Eviction Process (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.
🪜 6: Eviction Day
If the court grants the eviction, a constable will post a 24-hour notice to vacate on your door. This notice means the eviction is now imminent.
After that 24-hour period ends, the constable may return — often with a locksmith — to:
- Physically remove any remaining occupants
- Remove or secure personal belongings
- Change the locks and officially transfer possession
⏳ Eviction Day can happen quickly once the court signs off, so it’s critical to act as early as possible if you want to delay, challenge, or avoid this outcome. We walk you through what eviction can look like after foreclosure in Texas — so you’re not navigating it alone.
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:
- ✅ Work out a creative solution with an investor to stay in the home
- ✅ Sell quickly for cash before losing the home to foreclosure
- ✅ Buy time while you figure out your next move
*Filing bankruptcy can TEMPORARILY postpone a foreclosure. Please seek legal advice from an experienced BK attorney local to you.
💬 Every Day Counts. Let’s Talk Now 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
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