{"id":10088,"date":"2026-08-21T14:29:21","date_gmt":"2026-08-21T19:29:21","guid":{"rendered":"https:\/\/lrgrealty.com\/tools\/foreclosure-timeline\/"},"modified":"2026-08-21T19:16:22","modified_gmt":"2026-08-22T00:16:22","slug":"foreclosure-timeline","status":"publish","type":"page","link":"https:\/\/lrgrealty.com\/tools\/foreclosure-timeline\/","title":{"rendered":"Texas Foreclosure Timeline"},"content":{"rendered":"<div class=\"rss-calc-wrapper rss-calc-inline\" style=\"margin:24px 0;\"><script>window.RSS_CALC_SOURCE=\"https:\\\/\\\/lrgrealty.com\\\/tools\\\/foreclosure-timeline\\\/\";<\/script><div class=\"lrg-calc-embed\" id=\"lrg-calc-fc-timeline\">\n<style>\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700&family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&display=swap\");\n  #lrg-calc-fc-timeline *{box-sizing:border-box;margin:0;padding:0}\n  \/* Hide Divi entry-title on the standalone tool page only *\/\n  .page-id-9700 .entry-title.main_title,\n  .page-id-10088 .entry-title.main_title{display:none !important}\n\n  #lrg-calc-fc-timeline{\n    background:#FFFFFF;\n    color:var(--fc-ink,#1A2634);\n    font-family:'Inter',system-ui,-apple-system,sans-serif;\n    font-size:15px;line-height:1.5;-webkit-font-smoothing:antialiased;\n    --navy:#11294A;--navy-deep:#0B1C34;--navy-soft:#2D4A7A;\n    --red:#C8102E;--red-deep:#9A0C23;\n    --cream:#FFFFFF;--cream-warm:#F3F3F3;--paper:#FFFFFF;\n    --line:#DDD6C8;--line-soft:#E8E2D6;\n    --ink:#1A2634;--ink-mid:#5A6675;--ink-light:#8A94A2;\n    --active:#1D7A5F;--future:#C08A2E;--past:#8A94A2;\n    --judicial:#6B4C9A;\n  }\n  #lrg-calc-fc-timeline .fc{max-width:900px;margin:0 auto;padding:0 0 8px}\n\n  #lrg-calc-fc-timeline .fc-bar-top{\n    display:flex;align-items:center;justify-content:space-between;\n    background:var(--navy);color:#fff;\n    padding:11px 22px;font-size:12px;letter-spacing:.02em;\n  }\n  #lrg-calc-fc-timeline .fc-bar-top 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Loan type selector *\/\n  #lrg-calc-fc-timeline .fc-gate{\n    background:var(--paper);border:1px solid var(--line);\n    border-radius:12px;padding:24px;margin-bottom:20px;\n  }\n  #lrg-calc-fc-timeline .fc-gate h3{\n    font-size:11px;font-weight:600;letter-spacing:.11em;text-transform:uppercase;\n    color:var(--navy-soft);margin-bottom:14px;\n  }\n  #lrg-calc-fc-timeline .fc-gate-opts{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:16px}\n  #lrg-calc-fc-timeline .fc-gate-btn{\n    flex:1;min-width:200px;padding:16px 18px;\n    background:var(--cream-warm);border:2px solid var(--line);border-radius:8px;\n    cursor:pointer;transition:border-color .15s,background .15s;text-align:left;\n    font-family:inherit;font-size:14px;color:var(--ink);\n  }\n  #lrg-calc-fc-timeline .fc-gate-btn:hover{border-color:var(--navy-soft);background:#fff}\n  #lrg-calc-fc-timeline .fc-gate-btn.sel{border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(17,41,74,.1)}\n  #lrg-calc-fc-timeline 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font-size:12px;color:var(--ink-light);text-align:center;margin-top:4px;margin-bottom:8px;\n  }\n  #lrg-calc-fc-timeline .fc-result-body{\n    font-size:15px;color:var(--ink-mid);line-height:1.6;\n    text-align:left;max-width:640px;margin:0 auto;\n  }\n  #lrg-calc-fc-timeline .fc-result-echo{\n    font-size:14px;color:var(--ink);line-height:1.6;\n    margin-top:12px;padding-top:12px;border-top:1px solid var(--line-soft);\n    text-align:left;max-width:640px;margin-left:auto;margin-right:auto;\n  }\n  #lrg-calc-fc-timeline .fc-result-echo p{margin-bottom:4px}\n\n  \/* Compact CTA (between result and timeline) *\/\n  #lrg-calc-fc-timeline .fc-compact-cta{\n    background:var(--navy);border-radius:10px;padding:16px 24px;\n    margin-bottom:20px;\n  }\n  #lrg-calc-fc-timeline .fc-compact-cta h3{\n    font-family:'Fraunces',Georgia,serif;font-size:19px;font-weight:600;\n    color:#fff !important;margin-bottom:6px;line-height:1.3;\n  }\n  #lrg-calc-fc-timeline .fc-compact-cta 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18px;line-height:1.55}\n\n  #lrg-calc-fc-timeline .fc-form{display:grid;gap:11px;max-width:480px;margin:0 auto;text-align:left}\n  #lrg-calc-fc-timeline .fc-two{display:grid;grid-template-columns:1fr 1fr;gap:11px}\n  #lrg-calc-fc-timeline .fc-form label{\n    display:block;font-size:11px;font-weight:700;letter-spacing:.07em;\n    text-transform:uppercase;color:var(--navy-soft);margin-bottom:5px;\n  }\n  #lrg-calc-fc-timeline .fc-form input{\n    width:100%;background:#fff;\n    border:1px solid var(--line);border-radius:7px;\n    padding:13px 14px;color:var(--navy);font-family:inherit;font-size:14px;\n    outline:none;transition:border-color .15s;\n  }\n  #lrg-calc-fc-timeline .fc-form input::placeholder{color:var(--ink-light)}\n  #lrg-calc-fc-timeline .fc-form input:focus{border-color:var(--navy-soft);box-shadow:0 0 0 3px rgba(45,74,122,.12)}\n\n  #lrg-calc-fc-timeline .fc-btn{\n    display:inline-flex;align-items:center;justify-content:center;gap:8px;\n    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#lrg-calc-fc-timeline .fc-done p{font-size:14px;color:var(--ink-mid);margin:0 auto;line-height:1.55}\n\n  \/* Notice boxes *\/\n  #lrg-calc-fc-timeline .fc-note{\n    font-size:12px;color:var(--ink-light);line-height:1.65;\n    padding:14px 18px;background:#fff;\n    border:1px solid var(--line);border-left:3px solid var(--line);border-radius:0;\n    margin-bottom:16px;\n  }\n  #lrg-calc-fc-timeline .fc-note a{color:var(--navy-soft);text-decoration:underline}\n  #lrg-calc-fc-timeline .fc-note a:hover{color:var(--navy)}\n  #lrg-calc-fc-timeline .fc-note strong{color:var(--ink);font-weight:600}\n\n  #lrg-calc-fc-timeline .fc-counselor{\n    background:var(--cream-warm);border:1px solid var(--line);\n    border-radius:10px;padding:18px 20px;margin-bottom:16px;\n    text-align:center;\n  }\n  #lrg-calc-fc-timeline .fc-counselor .fc-counselor-label{\n    font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;\n    color:var(--navy-soft);margin-bottom:6px;\n  }\n  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18px;background:var(--cream-warm);\n    border:1px solid var(--line);border-radius:6px;\n    margin-bottom:16px;\n  }\n  \n  \n  \n\n  @media (max-width:640px){\n    #lrg-calc-fc-timeline .fc-head{padding:22px 16px 18px}\n    #lrg-calc-fc-timeline .fc-body{padding:16px}\n    #lrg-calc-fc-timeline .fc-title{font-size:25px}\n    #lrg-calc-fc-timeline .fc-result-num{font-size:34px}\n    #lrg-calc-fc-timeline .fc-two,\n    #lrg-calc-fc-timeline .fc-compact-two{grid-template-columns:1fr}\n    #lrg-calc-fc-timeline .fc-bar-top{padding:10px 16px;font-size:11px}\n    #lrg-calc-fc-timeline .fc-bar-top .r{display:none}\n    #lrg-calc-fc-timeline .fc-gate-opts{flex-direction:column}\n    #lrg-calc-fc-timeline .fc-step{padding-left:36px}\n    #lrg-calc-fc-timeline .fc-step-name{font-size:16px}\n    #lrg-calc-fc-timeline .fc-compact-cta .fc-compact-sub{display:none}\n    #lrg-calc-fc-timeline .fc-compact-toggle{display:block;margin-bottom:0}\n    #lrg-calc-fc-timeline .fc-compact-fields{display:none}\n    #lrg-calc-fc-timeline .fc-compact-cta.expanded .fc-compact-toggle{display:none}\n    #lrg-calc-fc-timeline .fc-compact-cta.expanded .fc-compact-sub{display:block}\n    #lrg-calc-fc-timeline .fc-compact-cta.expanded .fc-compact-fields{display:grid}\n  }\n<\/style>\n\n<div class=\"fc\">\n\n  <div class=\"fc-bar-top\">\n    <div class=\"l\"><span class=\"star\">&#9733;<\/span> Veteran-owned &middot; San Antonio, Austin, Killeen<\/div>\n    <div class=\"r\"><a href=\"tel:2108798220\">210-879-8220<\/a><\/div>\n  <\/div>\n\n  <div class=\"fc-head\">\n    <div class=\"fc-eyebrow\">Foreclosure timeline<\/div>\n    <h1 class=\"fc-title\">Texas Foreclosure Timeline <em>Calculator<\/em><\/h1>\n    <p class=\"fc-lede\">Select your loan type and enter the date of your first missed payment. This tool shows the statutory foreclosure sequence under Texas law. It does not predict what will happen with your loan. Servicer timelines, loan terms, and court schedules vary.<\/p>\n  <\/div>\n\n  <div class=\"fc-body\">\n\n    <!-- Step 1: Loan type gate -->\n    <div class=\"fc-gate\">\n      <h3>What type of loan do you have?<\/h3>\n      <div class=\"fc-gate-opts\">\n        <button class=\"fc-gate-btn\" id=\"fcBtnDot\" type=\"button\">\n          <div class=\"gb-label\">Standard mortgage<\/div>\n          <div class=\"gb-desc\">Purchase-money loan, conventional, VA, or FHA. Secured by a deed of trust with a power-of-sale clause.<\/div>\n        <\/button>\n        <button class=\"fc-gate-btn\" id=\"fcBtnHe\" type=\"button\">\n          <div class=\"gb-label\">Home equity loan or HELOC<\/div>\n          <div class=\"gb-desc\">Cash-out refinance, home equity loan, or home equity line of credit under Texas Constitution Art. XVI, &#167;50(a)(6).<\/div>\n        <\/button>\n      <\/div>\n      <div class=\"fc-hint\">Not sure? Check your closing documents. A home equity loan will reference Article XVI, Section 50 of the Texas Constitution.<\/div>\n    <\/div>\n\n    <!-- Step 2: Date inputs (hidden until loan type selected) -->\n    <div id=\"fcDateWrap\" style=\"display:none\">\n      <div class=\"fc-gate\">\n        <h3>When did you first miss a payment?<\/h3>\n        <div class=\"fc-date-row\">\n          <div class=\"fc-f\">\n            <label for=\"fcDate\">Date of first missed payment<\/label>\n            <input type=\"date\" id=\"fcDate\" autocomplete=\"off\">\n            <div class=\"fc-hint\">The due date you first failed to pay. If unsure, use the first of the month.<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"fc-opt-label\">If you have received these<\/div>\n        <div>\n          <div class=\"fc-f\">\n            <label for=\"fcNoticeDate\">Notice of Intent to Accelerate<\/label>\n            <input type=\"date\" id=\"fcNoticeDate\" autocomplete=\"off\">\n            <div class=\"fc-hint\">If received. The 20-day cure letter from your servicer.<\/div>\n          <\/div>\n          <div class=\"fc-f\">\n            <label for=\"fcSaleDate\">Scheduled sale date<\/label>\n            <input type=\"date\" id=\"fcSaleDate\" autocomplete=\"off\">\n            <div class=\"fc-hint\">If you have been given one.<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Validation messages -->\n    <div class=\"fc-val-msg\" id=\"fcValMsg\" style=\"display:none\"><\/div>\n    <div class=\"fc-val-warn\" id=\"fcValWarn\" style=\"display:none\"><\/div>\n    <!-- Result area -->\n    <div class=\"fc-result\" id=\"fcResult\" style=\"display:none\">\n      <div class=\"fc-result-main\">\n        <div class=\"fc-result-num\" id=\"fcResultNum\"><\/div>\n        <div class=\"fc-result-asof\" id=\"fcResultAsof\"><\/div>\n        <div class=\"fc-result-body\" id=\"fcResultBody\"><\/div>\n        <div class=\"fc-result-echo\" id=\"fcResultEcho\"><\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Compact CTA (between result and timeline) -->\n    <div class=\"fc-compact-cta\" id=\"fcCompactCta\" style=\"display:none\">\n      <h3>Questions about your timeline?<\/h3>\n      <div class=\"fc-compact-sub\">Talk through the dates and notices you have received with a licensed Texas real estate agent. No cost, no obligation.<\/div>\n      <button class=\"fc-compact-toggle\" id=\"fcCompactToggle\" type=\"button\">Questions about your timeline? Tap to talk to an agent &#8594;<\/button>\n      <div class=\"fc-compact-fields\" id=\"fcCompactForm\">\n        <div class=\"fc-compact-two\">\n          <div><label for=\"fcCFn\">First name<\/label><input type=\"text\" id=\"fcCFn\" placeholder=\"John\" autocomplete=\"given-name\"><\/div>\n          <div><label for=\"fcCLn\">Last name<\/label><input type=\"text\" id=\"fcCLn\" placeholder=\"Smith\" autocomplete=\"family-name\"><\/div>\n        <\/div>\n        <div><label for=\"fcCEm\">Email<\/label><input type=\"email\" id=\"fcCEm\" placeholder=\"you@example.com\" autocomplete=\"email\"><\/div>\n        <div><label for=\"fcCPh\">Phone<\/label><input type=\"tel\" id=\"fcCPh\" placeholder=\"(210) 555-0123\" autocomplete=\"tel\"><\/div>\n        <input type=\"text\" class=\"fc-hp\" id=\"fcCHp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\">\n        <button class=\"fc-compact-btn\" id=\"fcCSend\" type=\"button\">Ask about my timeline &#8594;<\/button>\n        <div class=\"fc-compact-err\" id=\"fcCErr\"><\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Timeline (rendered by JS) -->\n    <div class=\"fc-tl\" id=\"fcTimeline\" style=\"display:none\"><\/div>\n\n    <!-- HUD counselor box -->\n    <div class=\"fc-counselor\" id=\"fcCounselor\" style=\"display:none\">\n      <div class=\"fc-counselor-label\">Free HUD-approved housing counseling<\/div>\n      <div class=\"fc-counselor-phone\"><a href=\"tel:18005694287\">1-800-569-4287<\/a><\/div>\n      <div class=\"fc-counselor-sub\">No-cost, government-sponsored counseling for homeowners facing foreclosure.<br>Or visit <a href=\"https:\/\/www.hud.gov\/counseling\" target=\"_blank\" rel=\"noopener\">hud.gov\/counseling<\/a> to find a counselor near you.<\/div>\n    <\/div>\n\n    <!-- Bottom CTA -->\n    <div class=\"fc-cta\" id=\"fcCta\" style=\"display:none\">\n      <div id=\"fcCtaInner\">\n        <h3>Still have questions?<\/h3>\n        <p>A licensed Texas real estate agent can walk through the dates and notices you have received. No cost, no obligation.<\/p>\n        <form class=\"fc-form\" id=\"fcForm\" onsubmit=\"return false\">\n          <div class=\"fc-two\">\n            <div><label for=\"fcFn\">First name<\/label><input type=\"text\" id=\"fcFn\" placeholder=\"John\" autocomplete=\"given-name\"><\/div>\n            <div><label for=\"fcLn\">Last name<\/label><input type=\"text\" id=\"fcLn\" placeholder=\"Smith\" autocomplete=\"family-name\"><\/div>\n          <\/div>\n          <div><label for=\"fcEm\">Email<\/label><input type=\"email\" id=\"fcEm\" placeholder=\"you@example.com\" autocomplete=\"email\"><\/div>\n          <div><label for=\"fcPh\">Phone<\/label><input type=\"tel\" id=\"fcPh\" placeholder=\"(210) 555-0123\" autocomplete=\"tel\"><\/div>\n          <input type=\"text\" class=\"fc-hp\" id=\"fcHp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\">\n        <\/form>\n        <button class=\"fc-btn\" id=\"fcSend\" type=\"button\">Ask about my timeline &#8594;<\/button>\n        <div class=\"fc-err\" id=\"fcErr\"><\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Educational notice -->\n    <div class=\"fc-note\" id=\"fcNotice\">\n      <strong>Educational notice.<\/strong> This tool shows the statutory foreclosure sequence in Texas. It does not predict what will happen with your loan. Servicer practice, loan terms, investor requirements, and court schedules all vary. This is not legal advice and does not recommend any course of action.\n      <br><br>\n      If you are facing foreclosure, contact a <strong>licensed Texas real estate attorney<\/strong> and a <strong>HUD-approved housing counselor<\/strong> at <a href=\"tel:18005694287\">1-800-569-4287<\/a>.\n      <br><br>\n      Sources: 12 CFR 1024.41 (Regulation X); Texas Property Code &#167;51.002; Texas Constitution Art. XVI, &#167;50; Texas Rules of Civil Procedure, Rules 735-736.\n    <\/div>\n\n  <\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":0,"featured_media":0,"parent":6242,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10088","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Texas Foreclosure Timeline - LRG Realty Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lrgrealty.com\/tools\/foreclosure-timeline\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Texas Foreclosure Timeline - LRG Realty Blog\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lrgrealty.com\/tools\/foreclosure-timeline\/\" \/>\n<meta property=\"og:site_name\" content=\"LRG Realty Blog\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-22T00:16:22+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/tools\\\/foreclosure-timeline\\\/\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/tools\\\/foreclosure-timeline\\\/\",\"name\":\"Texas Foreclosure Timeline - LRG Realty Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#website\"},\"datePublished\":\"2026-08-21T19:29:21+00:00\",\"dateModified\":\"2026-08-22T00:16:22+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/tools\\\/foreclosure-timeline\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lrgrealty.com\\\/tools\\\/foreclosure-timeline\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/tools\\\/foreclosure-timeline\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"San Antonio Home Buying Calculators &#038; 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