- Updated for 2027
- Free for homeowners
- Any condition
- No obligation
- You choose who to talk to
Selling a house in foreclosure in Texas.
Most Texas home foreclosures happen outside of court, so it helps to understand the notices and the calendar early. You still have choices, and free help is available.
Tell us about your home
Texas · Free, private and no obligation.
Foreclosure · Texas
How it works in Texas.
Most Texas mortgages are secured by a deed of trust with a power of sale, which means a lender can usually foreclose without filing a lawsuit. Chapter 51 of the Texas Property Code sets out the steps. For a home, the servicer first has to send a written notice of default and give a period to cure it. Only after that can a notice of sale be posted, filed and mailed, and the sale itself takes place at a public auction on a set day of the month.
If you are behind on payments, the first and most useful step is to call your mortgage servicer and ask what options exist, such as a repayment plan, a loan modification or time to sell. A free HUD-approved housing counselor can help you prepare for that call. Some homeowners decide to sell before the sale date so they can pay off the loan on their own terms. Be cautious of anyone who charges upfront fees or promises to stop a foreclosure.
Texas specifics
What to know in Texas.
Mostly non-judicial
Texas foreclosures are usually carried out by a trustee under the power of sale in a deed of trust, without a court case. The rules for these sales are in Section 51.002 of the Texas Property Code. Some loan types and situations can follow different procedures, so an attorney can confirm what applies to your loan.
Notice of default and time to cure
For a residence, the mortgage servicer must send a written notice of default by certified mail. Under current law, the homeowner must get at least 20 days to cure the default before a notice of sale can be given.
Notice of sale
Under current law, a notice of sale must be given at least 21 days before the sale. It is posted at the courthouse door, filed with the county clerk, and sent by certified mail to each borrower. Counties also post filed notices on their websites.
First-Tuesday auctions
Texas foreclosure sales are public auctions held on the first Tuesday of the month between 10 a.m. and 4 p.m., usually at the county courthouse in an area chosen by the commissioners court. If that Tuesday is January 1 or July 4, the sale moves to the Wednesday.
Little room after the sale
Texas generally gives no right of redemption after an ordinary mortgage foreclosure, so options mostly exist before the sale date. Different rules apply to property tax sales and homeowners association foreclosures, which do carry redemption periods.
This is general information, not legal or tax advice. Rules can change and every situation is different, so confirm the details for your case with a Texas attorney or the appropriate office.
Your options
There is more than one path.
Work out a solution with your servicer
A repayment plan, forbearance, or loan modification may let you keep the home. These options take paperwork and patience, and approval is not certain. A HUD-approved housing counselor can help you prepare and submit an application.
Sell with an agent or through a short sale
If you have equity and enough time, listing on the open market may bring the highest price. If you owe more than the home is worth, a short sale needs lender approval and can take a while. An agent experienced with foreclosure situations can explain what is realistic.
Explore offers through Doorbloom
You can share your home's details for free and hear from independent investors and real estate professionals, which some homeowners find simpler, especially when a home needs work. Offers may be below open-market value. Doorbloom cannot stop a foreclosure, and any sale still has to be completed and the loan paid before the foreclosure sale.
How it works
Three clear steps.
- 1
Tell us about your home
Share the address, condition and your timeline. It takes about a minute, and we only ask what is needed for the next step.
- 2
Review who is interested
Real estate investors and professionals review your home. You see who they are before anyone gets your contact details.
- 3
Choose your next step
Talk to the people you want, compare your options, or decide not to sell. There is no pressure and no obligation.
Questions
Questions from Texas homeowners.
Is foreclosure in Texas judicial or non-judicial?
Most Texas home foreclosures are non-judicial. The lender's trustee sells the property at a public auction under the deed of trust, following the notice rules in the Texas Property Code, without a lawsuit. An attorney can confirm whether your loan follows a different process.
Can I sell my Texas house before the foreclosure sale?
Generally yes. A homeowner can usually sell before the trustee sale and use the proceeds to pay off the loan, as long as the sale closes before the auction. Talk with your servicer early about timing and ask for a payoff statement.
Does Texas have a right of redemption after foreclosure?
Not after a typical mortgage foreclosure. Texas law does provide redemption periods after certain property tax sales and homeowners association foreclosures. A Texas attorney can explain whether either applies to you.
Where can Texas homeowners get free foreclosure help?
The Texas Department of Housing and Community Affairs points homeowners to free HUD-approved housing counselors and other foreclosure prevention resources. A counselor can help you understand your options and prepare to talk with your servicer. Be wary of anyone asking for fees upfront to save your home.
Is Doorbloom buying my house?
No. Doorbloom is a platform that connects Texas homeowners with real estate investors and professionals. Any offer comes from them, and nothing is binding until you sign a purchase agreement.
What does it cost?
Creating an account and telling us about your home is free for homeowners.
Official Texas resources
Independent help in Texas.
Texas cities
Explore the next step when you are ready.
Tell us about your Texas home. It is free, and you stay in control of who you talk to.
Tell us about your home