Texas Foreclosure Timeline & Deadlines

Texas commonly uses a non-judicial foreclosure process. The Texas Property Code establishes notice requirements for a qualifying sale, but your loan documents and circumstances can create additional steps. Verify dates directly with your servicer and, where appropriate, the county records.

Federal rules generally bar a servicer from making the first foreclosure notice or filing until a mortgage is more than 120 days delinquent, subject to limited exceptions. That is not a reason to wait: submit requested documents early and track every response.

Ask the servicer, in writing if possible: What is the exact payoff? Is there a pending loss-mitigation review? What documents are missing? What is the final date to submit them? Can a sale be postponed? Keep copies of everything.

A complete loss-mitigation application received more than 37 days before a sale can trigger specific federal evaluation protections. An attorney or HUD-approved counselor can help you understand whether they apply.

A sale requires enough time to verify title, obtain payoff amounts, sign a contract, and close. Do not assume an offer alone pauses a foreclosure. Confirm any postponement or payoff arrangement with the servicer and closing professionals.

For a DFW property, a cash offer may be useful as one comparison point. If you are considering it, share the scheduled sale date upfront so the buyer and title company can assess whether a closing is feasible.