Calculate Your Texas Foreclosure Timeline in 60 Seconds
Enter your Notice of Default date to see your personalized timeline with key deadlines, action items, and critical dates you can't afford to miss.
Calculate Your Timeline
Enter your Notice of Default date to see your personalized foreclosure timeline with key deadlines.
Understanding Texas Foreclosure Law
Texas has specific foreclosure rules that affect your timeline. Here are the key facts every homeowner should know.
Non-Judicial Foreclosure
Texas is a non-judicial foreclosure state, meaning lenders can foreclose without going through the court system, making the process faster.
20-Day Cure Period
Texas law requires lenders to give you at least 20 days to cure your default before accelerating the loan.
21-Day Notice of Sale
A Notice of Sale must be filed at least 21 days before the foreclosure sale date, giving you advance warning.
First Tuesday Sales
Texas foreclosure auctions happen on the first Tuesday of each month at the county courthouse between 10 AM and 4 PM.
No Right of Redemption
Unlike some states, Texas generally does not offer a right of redemption after a foreclosure sale for non-homestead properties.
Homestead Protections
Texas has strong homestead protections, but they primarily apply to property tax and other liens — not mortgage foreclosures.