{"id":9865,"date":"2026-08-13T15:14:55","date_gmt":"2026-08-13T20:14:55","guid":{"rendered":"https:\/\/lrgrealty.com\/lrg-blog\/?p=9865"},"modified":"2026-10-15T15:06:47","modified_gmt":"2026-10-15T15:06:47","slug":"texas-foreclosure-timeline","status":"publish","type":"post","link":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/","title":{"rendered":"Texas Foreclosure Timeline: How Fast Can It Happen"},"content":{"rendered":"<div class=\"rl-page rl-page-lrg\">\n<div class=\"rl-wrap\">\n<header class=\"rl-hero\">\n<a class=\"rl-cta-primary\" href=\"\/lrg-blog\/connect-with-lrg\/?intent=short-sale\">Talk to LRG About Your Options &rarr;<\/a><br \/>\n<\/header>\n<p>Texas requires at least a 20-day cure notice and a 21-day notice of sale before a nonjudicial mortgage foreclosure auction. Under federal Regulation X, covered servicers cannot start the foreclosure process on owner-occupied consumer mortgages until the borrower is more than 120 days delinquent.<\/p>\n<p>Use the <a href=\"\/tools\/foreclosure-timeline\/\">foreclosure timeline calculator<\/a> to estimate key dates based on your first missed payment or notice date.<\/p>\n<div class=\"rl-quick-grid\">\n<article class=\"rl-quick-card\">\n<h3>The Texas Notice Sequence<\/h3>\n<ul>\n<li><strong>Cure notice:<\/strong> At least 20 days for the borrower to cure a residential property default before the servicer can post a notice of sale, per Texas Property Code \u00a751.002.<\/li>\n<li><strong>Notice of sale:<\/strong> At least 21 days before the auction, filed with the county clerk and posted at the courthouse, per Texas Property Code \u00a751.002.<\/li>\n<li><strong>Combined state minimum:<\/strong> 41 days from the first required notice to the sale.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>The Federal 120-Day Floor<\/h3>\n<ul>\n<li><strong>Federal Regulation X:<\/strong> For owner-occupied consumer mortgages, covered servicers cannot make the first foreclosure notice or filing until the loan is more than 120 days delinquent, per 12 CFR \u00a71024.41.<\/li>\n<li><strong>At one payment per month:<\/strong> That means at least four missed payments before the formal foreclosure process can begin.<\/li>\n<li><strong>Scope:<\/strong> Applies to loans secured by the borrower&#8217;s principal residence from covered servicers.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>Auction Day<\/h3>\n<ul>\n<li><strong>When:<\/strong> The first Tuesday of each month, between 10 a.m. and 4 p.m., at the county courthouse or a designated area, per Texas Property Code \u00a751.002.<\/li>\n<li><strong>Exception:<\/strong> If the first Tuesday falls on January 1 or July 4, the sale moves to the first Wednesday.<\/li>\n<li><strong>County posting:<\/strong> The county must post filed notices of sale on the county website, per Texas Property Code \u00a751.002.<\/li>\n<\/ul>\n<\/article>\n<article class=\"rl-quick-card\">\n<h3>After the Sale<\/h3>\n<ul>\n<li><strong>Standard mortgage foreclosure:<\/strong> Texas has no general statutory post-sale redemption period for deed-of-trust sales.<\/li>\n<li><strong>HOA\/POA foreclosures:<\/strong> 180 days to redeem after the association mails the post-sale notice required by Texas Property Code \u00a7209.010, under \u00a7209.011.<\/li>\n<li><strong>Tax foreclosures:<\/strong> Up to 2 years for homestead, agricultural, and mineral-interest property under Texas Tax Code \u00a734.21.<\/li>\n<\/ul>\n<\/article>\n<\/div>\n<div class=\"rl-atf-faqhead\"><span class=\"rl-kicker\">Asked First<\/span>Questions before you dig in<\/div>\n<details>\n<summary>How many missed payments before foreclosure starts in Texas?<\/summary>\n<p>For owner-occupied consumer mortgages, federal Regulation X prevents a covered servicer from making the first foreclosure notice or filing until the loan is more than 120 days delinquent. At one payment per month, that means at least four missed payments before the first foreclosure filing can be made. Texas separately requires at least a 20-day cure notice and a 21-day notice of sale; the cure notice may be sent during the 120-day period.<\/p>\n<\/details>\n<details>\n<summary>When is it too late to stop foreclosure in Texas?<\/summary>\n<p>Before the auction is your primary window to act. During the 20-day cure period, you can reinstate by paying the past-due amount. After a notice of sale is posted, you may still have options: loss mitigation, a pre-foreclosure sale, or bankruptcy. After the sale, your options shrink sharply. After a valid foreclosure sale and recording of the trustee&#8217;s deed, the purchaser obtains title in a standard mortgage foreclosure. Contact your servicer, a HUD-approved counselor at 888-995-4673, and a Texas foreclosure attorney as early as possible.<\/p>\n<\/details>\n<details>\n<summary>Can I still sell my house with a foreclosure notice?<\/summary>\n<p>Short sales and deeds in lieu are among the recognized alternatives to foreclosure. Contact your servicer for a payoff quote and a licensed agent for a market valuation. Act as early as possible. LRG can review your equity, timeline, and options confidentially.<\/p>\n<\/details>\n<section class=\"rl-bluf\">\n<h2 id=\"the-bottom-line-up-front\">The Bottom Line Up Front<\/h2>\n<p><strong>Texas nonjudicial mortgage foreclosure can move quickly once the process starts. The state notice sequence under \u00a751.002 requires a 20-day cure notice and a 21-day notice of sale. Federal Regulation X adds a 120-day delinquency floor for covered loans: the servicer cannot make the first foreclosure filing until the borrower is more than 120 days delinquent. Because the cure notice is sent only to the borrower, it may overlap the 120-day period; the notice of sale is the public filing subject to the federal restriction. Both the federal floor and the state notice-of-sale requirement must be satisfied before the auction. But not all foreclosures follow this path. Home equity loans and reverse mortgages require court orders under Texas Rules of Civil Procedure 735 and 736. HOA and tax foreclosures carry redemption periods that standard mortgage sales do not. This guide covers every stage from first missed payment through the sale, explains which rules apply to your situation, and identifies what to do at each deadline.<\/strong><\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"the-texas-nonjudicial-foreclosure-timeline\">The Texas Nonjudicial Foreclosure Timeline<\/h2>\n<p>Texas Property Code \u00a751.002 governs the nonjudicial foreclosure process for deeds of trust with a power-of-sale clause. This is the path for standard purchase-money mortgages and non-home-equity rate-and-term refinances in Texas.<\/p>\n<div class=\"rl-table-scroll\">\n<table class=\"rl-table\">\n<thead>\n<tr>\n<th>Step<\/th>\n<th>What happens<\/th>\n<th>Minimum timing<\/th>\n<th>Source<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Missed payments begin<\/td>\n<td>Borrower falls behind on mortgage payments.<\/td>\n<td>&#8212;<\/td>\n<td>&#8212;<\/td>\n<\/tr>\n<tr>\n<td>Federal 120-day floor<\/td>\n<td>For covered loans secured by the borrower&#8217;s principal residence, the servicer cannot make the first foreclosure notice or filing until the loan is more than 120 days delinquent.<\/td>\n<td>After day 120<\/td>\n<td>12 CFR \u00a71024.41<\/td>\n<\/tr>\n<tr>\n<td>Cure notice sent<\/td>\n<td>Servicer sends a written notice by certified mail stating the default and giving at least 20 days to cure before the debt can be accelerated.<\/td>\n<td>20 days to cure<\/td>\n<td>TX Prop. Code \u00a751.002<\/td>\n<\/tr>\n<tr>\n<td>Acceleration<\/td>\n<td>If the borrower does not cure within the 20-day window, the debt may be accelerated.<\/td>\n<td>After cure period expires<\/td>\n<td>TX Prop. Code \u00a751.002<\/td>\n<\/tr>\n<tr>\n<td>Notice of sale<\/td>\n<td>Filed with the county clerk, posted at the courthouse door, and sent by certified mail at least 21 days before the sale date. The county posts the notice on the county website.<\/td>\n<td>21+ days before sale<\/td>\n<td>TX Prop. Code \u00a751.002<\/td>\n<\/tr>\n<tr>\n<td>Foreclosure sale<\/td>\n<td>Property sold at public auction between 10 a.m. and 4 p.m. on the first Tuesday of the month. If January 1 or July 4 falls on that Tuesday, sale moves to the first Wednesday.<\/td>\n<td>First Tuesday<\/td>\n<td>TX Prop. Code \u00a751.002<\/td>\n<\/tr>\n<tr>\n<td>Trustee&#8217;s deed<\/td>\n<td>Trustee executes a deed to the purchaser. The purchaser becomes the legal owner.<\/td>\n<td>After sale<\/td>\n<td>TX Prop. Code \u00a751.002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>The 20-day cure notice and 21-day notice of sale are Texas state requirements under \u00a751.002. The cure notice is sent to the borrower and may be issued during the 120-day delinquency period. The notice of sale is filed with the county clerk and posted at the courthouse; for loans covered by Regulation X, this filing cannot occur until the delinquency floor is met. Both the federal and state requirements must be satisfied before the sale can occur.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"what-the-federal-120-day-rule-does-and-does-not-do\">What the Federal 120-Day Rule Does and Does Not Do<\/h2>\n<p>12 CFR \u00a71024.41, issued by the Consumer Financial Protection Bureau under Regulation X, creates a federal floor before the formal foreclosure process can begin.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li><strong>What it prohibits:<\/strong> A covered servicer cannot make the first notice or filing required by applicable law for any judicial or nonjudicial foreclosure process until the borrower&#8217;s mortgage loan obligation is more than 120 days delinquent.<\/li>\n<li><strong>Which loans are covered:<\/strong> Mortgage loans secured by the borrower&#8217;s principal residence, serviced by a covered servicer, per 12 CFR \u00a71024.30.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"how-many-missed-payments-before-foreclosure-in-texas\">How Many Missed Payments Before Foreclosure in Texas<\/h2>\n<p>For owner-occupied consumer mortgages covered by Regulation X, the servicer cannot make the first formal foreclosure filing until the loan is more than 120 days delinquent. At one payment per month, that means at least four missed payments before the first foreclosure filing can be made.<\/p>\n<p>The Texas notice sequence requires a 20-day cure notice and a 21-day notice of sale. The cure notice is a borrower-only communication and may overlap the 120-day delinquency period. The notice of sale is the public filing subject to the Regulation X restriction. Calendar alignment with the first Tuesday and any pending loss-mitigation review can extend the actual gap between the first missed payment and the auction.<\/p>\n<div class=\"bullet-section-blue\">\n<ul>\n<li><strong>Loans not covered by Regulation X:<\/strong> If your loan is not secured by your principal residence, or if the servicer qualifies for one of the regulatory exemptions, the 120-day federal floor may not apply. The Texas state notice requirements under \u00a751.002 still apply to all nonjudicial foreclosures.<\/li>\n<li><strong>Home equity loans and HELOCs:<\/strong> These require a court order under Texas Rules of Civil Procedure 735 and 736. The court process adds time beyond the standard nonjudicial timeline.<\/li>\n<li><strong>Your servicer:<\/strong> Contact your servicer directly to understand where you stand in the process.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<div class=\"rl-cta-mid\"><a class=\"rl-cta-pill\" href=\"\/lrg-blog\/connect-with-lrg\/?intent=short-sale\">Talk to LRG About Your Options &rarr;<\/a><\/div>\n<section class=\"rl-section\">\n<h2 id=\"when-is-it-too-late-to-stop-foreclosure-in-texas\">When Is It Too Late to Stop Foreclosure in Texas<\/h2>\n<p>Your options narrow at each stage but do not disappear until the sale is complete.<\/p>\n<div class=\"bullet-section-green\">\n<ul>\n<li><strong>During the 20-day cure period:<\/strong> Texas Property Code \u00a751.002 requires the servicer to give you at least 20 days to cure the default on residential property before posting a notice of sale. Pay the full past-due amount within this window to stop the process.<\/li>\n<li><strong>After cure period, before notice of sale:<\/strong> Ask the servicer for a written reinstatement quote that itemizes every charge. Do not assume reinstatement is available after the statutory cure period expires.<\/li>\n<li><strong>After notice of sale is posted:<\/strong> You may still apply for loss mitigation, negotiate a short sale or deed in lieu, or file for bankruptcy. Time is critical. See the 37-day loss-mitigation protection below.<\/li>\n<li><strong>After the sale:<\/strong> For standard deed-of-trust mortgage foreclosures, Texas has no general statutory post-sale redemption period. Once the trustee&#8217;s deed is recorded, the property belongs to the purchaser. Your remaining options are limited to deficiency defenses and procedural challenges.<\/li>\n<\/ul>\n<\/div>\n<h3>The 37-Day Loss-Mitigation Protection<\/h3>\n<p>Under 12 CFR \u00a71024.41, if a borrower submits a complete loss-mitigation application to a covered servicer more than 37 days before a scheduled foreclosure sale, the servicer generally cannot conduct the sale until one of these outcomes occurs:<\/p>\n<div class=\"rl-table-scroll\">\n<table class=\"rl-table\">\n<thead>\n<tr>\n<th>Outcome<\/th>\n<th>What it means<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Denial with exhausted appeals<\/td>\n<td>The servicer denies every loss-mitigation option and all appeal deadlines have passed.<\/td>\n<\/tr>\n<tr>\n<td>Borrower rejects all options<\/td>\n<td>The borrower turns down every offered alternative.<\/td>\n<\/tr>\n<tr>\n<td>Borrower fails to perform<\/td>\n<td>The borrower does not comply with the terms of an accepted loss-mitigation plan.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>A complete application means all documents the servicer requires to evaluate you for available loss-mitigation options. An incomplete application does not trigger this protection. Submit your application early, confirm receipt in writing, and keep proof of every document sent.<\/p>\n<p>If a complete application is received at least 90 days before a scheduled sale, denial of a loan modification triggers additional appeal rights under the same regulation.<\/p>\n<h3>Bankruptcy and the Automatic Stay<\/h3>\n<p>Filing a Chapter 7 or Chapter 13 bankruptcy petition triggers an automatic stay under 11 U.S.C. \u00a7362 that generally halts foreclosure proceedings. This protection has limits:<\/p>\n<div class=\"rl-table-scroll\">\n<table class=\"rl-table\">\n<thead>\n<tr>\n<th>Situation<\/th>\n<th>Effect on the automatic stay<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>First filing with no prior case in the past year<\/td>\n<td>Full automatic stay applies. The lender must file a motion for relief to proceed.<\/td>\n<\/tr>\n<tr>\n<td>One prior case pending and dismissed within the past year<\/td>\n<td>Stay may expire after 30 days unless the court extends it under 11 U.S.C. \u00a7362.<\/td>\n<\/tr>\n<tr>\n<td>At least two prior cases pending and dismissed within the past year<\/td>\n<td>No automatic stay takes effect unless the court orders one.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>The lender can always file a motion for relief from the stay, and the court may grant it. A last-day filing is not guaranteed to stop a sale. Consult a bankruptcy attorney to evaluate your specific situation before filing.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"which-foreclosure-path-applies-to-your-loan\">Which Foreclosure Path Applies to Your Loan<\/h2>\n<p>Not all Texas foreclosures follow the nonjudicial timeline described above. The Texas State Law Library identifies three foreclosure paths: judicial, nonjudicial, and expedited.<\/p>\n<div class=\"rl-table-scroll\">\n<table class=\"rl-table\">\n<thead>\n<tr>\n<th>Loan or lien type<\/th>\n<th>Foreclosure path<\/th>\n<th>Court order required<\/th>\n<th>Redemption period<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Standard deed-of-trust mortgage with power of sale<\/td>\n<td>Nonjudicial<\/td>\n<td>No<\/td>\n<td>None<\/td>\n<\/tr>\n<tr>\n<td>Texas home equity loan, HELOC, or cash-out refinance<\/td>\n<td>Expedited judicial, Rules 735-736<\/td>\n<td>Yes<\/td>\n<td>&#8212;<\/td>\n<\/tr>\n<tr>\n<td>Reverse mortgage<\/td>\n<td>Expedited judicial, Rules 735-736<\/td>\n<td>Yes<\/td>\n<td>&#8212;<\/td>\n<\/tr>\n<tr>\n<td>HOA or property owners&#8217; association assessment lien<\/td>\n<td>Judicial or expedited court-order<\/td>\n<td>Yes<\/td>\n<td>180 days after association mails post-sale notice, TX Prop. Code \u00a7\u00a7209.010-209.011<\/td>\n<\/tr>\n<tr>\n<td>Property tax foreclosure<\/td>\n<td>Judicial tax sale<\/td>\n<td>Yes<\/td>\n<td>Up to 2 years for homestead, TX Tax Code \u00a734.21<\/td>\n<\/tr>\n<tr>\n<td>Lien without a power-of-sale clause<\/td>\n<td>Judicial process required<\/td>\n<td>Varies by court<\/td>\n<td>&#8212;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Texas home equity loans, HELOCs, and cash-out refinances under Texas Constitution Article XVI \u00a750 require a court order before the lien can be foreclosed. The servicer files an application under Texas Rules of Civil Procedure 735 and 736 for an expedited order. The homeowner receives notice and can respond or contest the application. If the court grants the order, the sale proceeds under the same first-Tuesday rules as a nonjudicial foreclosure.<\/p>\n<p>Property owners&#8217; association assessment-lien foreclosures under Texas Property Code Chapter 209 generally require an expedited court order for nonjudicial foreclosure, unless the owner has waived that right in a written contract. These foreclosures carry a 180-day right of redemption, measured from the date the association mails the post-sale notice required by \u00a7209.010, under \u00a7209.011. Condominium association foreclosures follow separate rules.<\/p>\n<p>Property tax foreclosures follow a separate judicial process. The owner of homestead, agricultural, or mineral-interest property can redeem within two years after the purchaser&#8217;s deed is recorded under Texas Tax Code \u00a734.21.<\/p>\n<p>This article covers the nonjudicial timeline for standard mortgage foreclosures. If your situation involves a home equity loan, HOA assessment, tax lien, or another type of lien, consult a Texas foreclosure attorney for guidance specific to your loan type.<\/p>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"after-the-sale\">After the Sale<\/h2>\n<div class=\"bullet-section-beige\">\n<ul>\n<li><strong>Deficiency judgments:<\/strong> If the foreclosure sale price falls short of the unpaid balance, the lender or servicer may seek a deficiency judgment. Under Texas Property Code \u00a751.003, the action must be brought within two years of the sale. You can ask the court to determine the fair market value of the property at the time of sale. If the fair market value exceeds the foreclosure sale price, the deficiency is offset by the difference. For a detailed breakdown of Texas deficiency rules, see the <a href=\"\/lrg-blog\/deficiency-judgment-texas\/\">Texas deficiency judgment guide<\/a>.<\/li>\n<li><strong>Eviction:<\/strong> If the previous owner does not vacate the property after the sale, the new owner may need to file an eviction case in court to take possession.<\/li>\n<li><strong>Tenant protections:<\/strong> Bona fide tenants may be entitled to at least 90 days&#8217; notice before lease termination after foreclosure, under the federal Protecting Tenants at Foreclosure Act. Tenants with bona fide leases entered before the notice of foreclosure must be allowed to occupy until the end of the remaining lease term, with limited exceptions.<\/li>\n<li><strong>Surplus funds:<\/strong> If the sale price exceeds the total debt owed, any excess is used to pay off additional liens on the property. If no additional liens exist, or if funds remain after those liens are paid, the former owner may be entitled to claim the remaining amount. Contact the trustee or the county clerk for information about surplus proceeds.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"selling-before-foreclosure\">Selling Before Foreclosure<\/h2>\n<p>If you are facing foreclosure, contact your servicer and a real estate professional to evaluate your options as early as possible.<\/p>\n<div class=\"bullet-section-gray\">\n<ul>\n<li><strong>Payoff and valuation:<\/strong> Request a payoff quote from your servicer and get a market valuation from a licensed agent.<\/li>\n<li><strong>Alternatives to foreclosure:<\/strong> Short sales and deeds in lieu are among the recognized alternatives. For a comparison of outcomes, see the <a href=\"\/lrg-blog\/short-sale-vs-foreclosure-texas\/\">short sale vs. foreclosure guide<\/a>.<\/li>\n<li><strong>HUD counseling:<\/strong> Contact a HUD-approved housing counselor at 888-995-4673 or through hud.gov for guidance before making any decisions. If you need legal advice, contact a Texas foreclosure attorney.<\/li>\n<\/ul>\n<\/div>\n<p>LRG can review your equity, your timeline, and your options. All consultations are confidential.<\/p>\n<\/section>\n<section class=\"rl-faq\">\n<h2 id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n<details>\n<summary>I received a notice of default and intent to accelerate. What does it mean?<\/summary>\n<p>This notice tells you the servicer considers your loan in default and intends to accelerate the full balance if you do not cure within the stated period. For residential property, Texas Property Code \u00a751.002 requires at least 20 days to cure before the servicer can proceed to the notice of sale. Contact your servicer to confirm the cure amount and deadline, and consider reaching out to a HUD-approved housing counselor at 888-995-4673.<\/p>\n<\/details>\n<details>\n<summary>I received a notice of sale. How many days do I have?<\/summary>\n<p>The notice of sale must be filed, posted, and mailed at least 21 days before the sale date, per Texas Property Code \u00a751.002. Your deadline is the date stated in the notice. If you want to explore loss mitigation, a pre-foreclosure sale, or other options, act immediately. Submit any loss-mitigation application well before 37 days of the sale date to trigger the federal protection under 12 CFR \u00a71024.41.<\/p>\n<\/details>\n<details>\n<summary>Does a loan modification application stop the foreclosure sale?<\/summary>\n<p>A complete loss-mitigation application received by a covered servicer more than 37 days before a scheduled sale can trigger protections under 12 CFR \u00a71024.41 that generally prevent the servicer from conducting the sale until the application is resolved. An incomplete application does not trigger this protection. Ask your servicer exactly which documents are required and keep proof of every submission.<\/p>\n<\/details>\n<details>\n<summary>Can I reinstate my loan after acceleration?<\/summary>\n<p>Texas Property Code \u00a751.002 requires at least 20 days to cure before the notice of sale can be given for residential property. After acceleration, request a written reinstatement quote from your servicer immediately. Do not assume reinstatement is available up to the auction date.<\/p>\n<\/details>\n<details>\n<summary>What if the first Tuesday falls on January 1 or July 4?<\/summary>\n<p>Texas Property Code \u00a751.002 provides that when the first Tuesday of the month falls on January 1 or July 4, the foreclosure sale is held on the first Wednesday instead. Check the county clerk&#8217;s posted notice for the exact date and location.<\/p>\n<\/details>\n<details>\n<summary>Can I be sued for a deficiency after foreclosure?<\/summary>\n<p>Yes. Under Texas Property Code \u00a751.003, the lender can pursue a deficiency judgment if the foreclosure sale price does not cover the full unpaid balance. The action must be brought within two years of the sale. You can ask the court to determine the fair market value of the property, which may offset the deficiency if the fair market value exceeds the sale price.<\/p>\n<\/details>\n<details>\n<summary>What happens if my loan is a Texas home equity loan or HELOC?<\/summary>\n<p>Texas home equity loans and HELOCs require a court order before foreclosure under Texas Constitution Article XVI \u00a750. The servicer files an application under Texas Rules of Civil Procedure 735 and 736 for an expedited order. You receive notice and can respond or contest. This process adds time compared to a standard nonjudicial foreclosure but still results in a first-Tuesday sale if the court grants the order.<\/p>\n<\/details>\n<details>\n<summary>Can bankruptcy stop a foreclosure sale scheduled this week?<\/summary>\n<p>Filing a bankruptcy petition triggers an automatic stay under 11 U.S.C. \u00a7362 that generally halts foreclosure proceedings. However, if you have had a prior case pending and dismissed within the past year, the stay may be limited to 30 days unless the court extends it. If you have had at least two prior cases pending and dismissed within the past year, no automatic stay takes effect unless the court orders one. A bankruptcy attorney should evaluate your situation before you file.<\/p>\n<\/details>\n<details>\n<summary>Does the Servicemembers Civil Relief Act protect active-duty Military from foreclosure?<\/summary>\n<p>The SCRA, codified at 50 U.S.C. Chapter 50, provides foreclosure protections for active-duty Servicemembers, including restrictions on foreclosure of certain obligations incurred before Military service. Texas Property Code \u00a751.015 also addresses Servicemember protections in the foreclosure context. Contact your installation&#8217;s legal assistance office or a Military legal aid organization for guidance.<\/p>\n<\/details>\n<details>\n<summary>Can I sell my house after receiving a notice of sale?<\/summary>\n<p>Contact your servicer and a real estate professional immediately. Short sales and deeds in lieu are among the recognized alternatives to foreclosure. A real estate professional and your servicer can help evaluate your options. LRG can review your timeline and options confidentially.<\/p>\n<\/details>\n<\/section>\n<section class=\"rl-section\">\n<h2 id=\"data-and-methodology\">Data and Methodology<\/h2>\n<p>Legal references in this guide cite specific sections of the Texas Property Code, the Texas Tax Code, the Texas Constitution, the Texas Rules of Civil Procedure, and the Consumer Financial Protection Bureau&#8217;s Regulation X. Each citation identifies the statute or regulation by section number. The Texas State Law Library foreclosure guide series is referenced for overview and classification of foreclosure types. HUD counseling resources are from the U.S. Department of Housing and Urban Development. Servicemembers Civil Relief Act references cite 50 U.S.C. Chapter 50 and Texas Property Code \u00a751.015. No figures from commercial legal directories, brokerage blogs, news summaries, or AI-generated content are used in this guide.<\/p>\n<\/section>\n<footer class=\"rl-resources\">\n<h2 id=\"resources-used\">Resources Used<\/h2>\n<ul>\n<li><a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/PR\/htm\/PR.51.htm\" rel=\"noopener noreferrer\" target=\"_blank\">Texas Property Code Chapter 51, Sale of Real Property Under Contract Lien<\/a><\/li>\n<li><a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1024\/41\/\" rel=\"noopener noreferrer\" target=\"_blank\">12 CFR \u00a71024.41, Loss Mitigation Procedures, Consumer Financial Protection Bureau<\/a><\/li>\n<li><a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1024\/30\/\" rel=\"noopener noreferrer\" target=\"_blank\">12 CFR \u00a71024.30, Scope, Consumer Financial Protection Bureau Regulation X<\/a><\/li>\n<li><a href=\"https:\/\/guides.sll.texas.gov\/foreclosure\" rel=\"noopener noreferrer\" target=\"_blank\">Texas State Law Library, Foreclosure Guide<\/a><\/li>\n<li><a href=\"https:\/\/guides.sll.texas.gov\/foreclosure\/before-the-sale\" rel=\"noopener noreferrer\" target=\"_blank\">Texas State Law Library, Before the Sale<\/a><\/li>\n<li><a href=\"https:\/\/guides.sll.texas.gov\/foreclosure\/avoiding-foreclosure\" rel=\"noopener noreferrer\" target=\"_blank\">Texas State Law Library, Avoiding Foreclosure<\/a><\/li>\n<li><a href=\"https:\/\/guides.sll.texas.gov\/foreclosure\/after-the-sale\" rel=\"noopener noreferrer\" target=\"_blank\">Texas State Law Library, After the Sale<\/a><\/li>\n<li><a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/PR\/htm\/PR.209.htm\" rel=\"noopener noreferrer\" target=\"_blank\">Texas Property Code Chapter 209, Texas Residential Property Owners Protection Act<\/a><\/li>\n<li><a href=\"https:\/\/statutes.capitol.texas.gov\/Docs\/TX\/htm\/TX.34.htm\" rel=\"noopener noreferrer\" target=\"_blank\">Texas Tax Code Chapter 34, Tax Sales and Redemption<\/a><\/li>\n<li><a href=\"https:\/\/www.txcourts.gov\/rules-forms\/rules-standards\/\" rel=\"noopener noreferrer\" target=\"_blank\">Texas Rules of Civil Procedure 735 and 736, Expedited Foreclosure Proceedings<\/a><\/li>\n<li><a href=\"https:\/\/www.govinfo.gov\/content\/pkg\/USCODE-2023-title11\/html\/USCODE-2023-title11-chap3-subchapIV-sec362.htm\" rel=\"noopener noreferrer\" target=\"_blank\">11 U.S.C. \u00a7362, Automatic Stay, United States Code<\/a><\/li>\n<li><a href=\"https:\/\/www.hud.gov\/counseling\" rel=\"noopener noreferrer\" target=\"_blank\">U.S. Department of Housing and Urban Development, Find a Housing Counselor<\/a><\/li>\n<\/ul>\n<\/footer>\n<div class=\"rss-calc-wrapper rss-calc-inline\" style=\"margin:24px 0;\"><script>window.RSS_CALC_SOURCE=\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-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 .l{display:flex;align-items:center;gap:8px;font-weight:500}\n  #lrg-calc-fc-timeline .fc-bar-top .star{color:var(--red);font-size:13px}\n  #lrg-calc-fc-timeline .fc-bar-top a{color:#fff;text-decoration:none;font-weight:500}\n  #lrg-calc-fc-timeline .fc-bar-top a:hover{text-decoration:underline}\n\n  #lrg-calc-fc-timeline .fc-head{padding:26px 22px 20px;border-bottom:1px solid var(--line)}\n  #lrg-calc-fc-timeline .fc-eyebrow{\n    font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;\n    color:var(--red);margin-bottom:9px;\n  }\n  #lrg-calc-fc-timeline .fc-title{\n    font-family:'Fraunces',Georgia,serif;\n    font-size:30px;line-height:1.15;font-weight:600;color:var(--navy);\n    letter-spacing:-.015em;margin-bottom:8px;\n  }\n  #lrg-calc-fc-timeline .fc-title em{font-style:italic;font-weight:500;color:var(--red)}\n  #lrg-calc-fc-timeline .fc-lede{font-size:15px;color:var(--ink-mid);line-height:1.6}\n\n  #lrg-calc-fc-timeline .fc-body{padding:22px}\n\n  \/* 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 .fc-gate-btn .gb-label{font-weight:600;margin-bottom:4px;color:var(--navy)}\n  #lrg-calc-fc-timeline .fc-gate-btn .gb-desc{font-size:12px;color:var(--ink-mid);line-height:1.45}\n  #lrg-calc-fc-timeline .fc-gate-btn.sel.judicial .gb-label{color:var(--judicial)}\n\n  \/* Date inputs *\/\n  #lrg-calc-fc-timeline .fc-date-row{\n    display:flex;align-items:flex-start;gap:14px;flex-wrap:wrap;\n  }\n  #lrg-calc-fc-timeline .fc-f{flex:1;min-width:200px}\n  #lrg-calc-fc-timeline .fc-f label{\n    display:block;font-size:11px;font-weight:600;letter-spacing:.09em;\n    text-transform:uppercase;color:var(--navy-soft);margin-bottom:7px;\n  }\n  #lrg-calc-fc-timeline .fc-f input[type=\"date\"]{\n    width:100%;background:var(--paper);\n    border:1px solid var(--line);border-radius:7px;\n    padding:14px 14px;color:var(--navy);\n    font-family:'Fraunces',Georgia,serif;font-size:18px;font-weight:500;\n    outline:none;transition:border-color .15s,box-shadow .15s;\n  }\n  #lrg-calc-fc-timeline .fc-f input[type=\"date\"]:focus{border-color:var(--navy-soft);box-shadow:0 0 0 3px rgba(45,74,122,.12)}\n  #lrg-calc-fc-timeline .fc-hint{font-size:12px;color:var(--ink-light);margin-top:6px;margin-bottom:18px;line-height:1.45}\n  #lrg-calc-fc-timeline .fc-opt-label{\n    font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;\n    color:var(--ink-light);margin:20px 0 12px;\n  }\n\n  \/* Result area *\/\n  #lrg-calc-fc-timeline .fc-result{\n    background:var(--paper);border:1px solid var(--line);\n    border-radius:12px;overflow:hidden;margin-bottom:16px;margin-top:8px;\n  }\n  #lrg-calc-fc-timeline .fc-result-main{padding:28px 24px 22px;text-align:center}\n  #lrg-calc-fc-timeline .fc-result-num{\n    font-family:'Fraunces',Georgia,serif;\n    font-size:42px;line-height:1.1;font-weight:600;letter-spacing:-.02em;\n    color:var(--navy);margin-bottom:4px;\n  }\n  #lrg-calc-fc-timeline .fc-result-asof{\n    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 .fc-compact-sub{\n    font-size:14px;color:#B9C6D8;line-height:1.5;margin-bottom:14px;\n  }\n  #lrg-calc-fc-timeline .fc-compact-toggle{\n    display:none;background:none;border:none;color:#B9C6D8;\n    font-family:inherit;font-size:14px;cursor:pointer;padding:0;\n    text-decoration:underline;text-underline-offset:3px;\n  }\n  #lrg-calc-fc-timeline .fc-compact-fields{\n    display:grid;gap:10px;max-width:480px;margin:0 auto;\n  }\n  #lrg-calc-fc-timeline .fc-compact-two{display:grid;grid-template-columns:1fr 1fr;gap:10px}\n  #lrg-calc-fc-timeline .fc-compact-fields label{\n    display:block;font-size:11px;font-weight:600;letter-spacing:.07em;\n    text-transform:uppercase;color:#9FB0C6;margin-bottom:5px;\n  }\n  #lrg-calc-fc-timeline .fc-compact-fields input{\n    width:100%;background:#fff;\n    border:1px solid rgba(255,255,255,.25);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-compact-fields input::placeholder{color:#A0A8B4}\n  #lrg-calc-fc-timeline .fc-compact-fields input:focus{border-color:var(--red)}\n  #lrg-calc-fc-timeline .fc-compact-btn{\n    display:inline-flex;align-items:center;justify-content:center;gap:8px;\n    background:var(--red);color:#fff;border:none;border-radius:8px;\n    padding:15px 40px;font-family:inherit;font-size:15px;font-weight:600;\n    cursor:pointer;transition:background .15s,transform .1s;margin-top:6px;\n    width:100%;\n  }\n  #lrg-calc-fc-timeline .fc-compact-btn:hover{background:var(--red-deep)}\n  #lrg-calc-fc-timeline .fc-compact-btn:active{transform:translateY(1px)}\n  #lrg-calc-fc-timeline .fc-compact-btn:disabled{opacity:.5;cursor:not-allowed}\n  #lrg-calc-fc-timeline .fc-compact-err{font-size:13px;color:#ff9999;min-height:18px;text-align:center;margin-top:4px}\n  #lrg-calc-fc-timeline .fc-compact-done{text-align:center;padding:8px 0}\n  #lrg-calc-fc-timeline .fc-compact-done .tick{\n    width:48px;height:48px;border-radius:50%;background:var(--active);\n    color:#fff;font-size:24px;display:flex;align-items:center;justify-content:center;\n    margin:0 auto 10px;\n  }\n  #lrg-calc-fc-timeline .fc-compact-done h3{font-family:'Fraunces',Georgia,serif;font-size:20px;color:#fff !important;margin-bottom:6px}\n  #lrg-calc-fc-timeline .fc-compact-done p{font-size:14px;color:#B9C6D8;line-height:1.5}\n  #lrg-calc-fc-timeline .fc-hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}\n\n  \/* Timeline *\/\n  #lrg-calc-fc-timeline .fc-tl{margin-top:24px}\n  #lrg-calc-fc-timeline .fc-step{\n    position:relative;padding:0 0 0 42px;margin-bottom:0;\n  }\n  #lrg-calc-fc-timeline .fc-step::before{\n    content:'';position:absolute;left:14px;top:28px;bottom:0;\n    width:2px;background:var(--line-soft);\n  }\n  #lrg-calc-fc-timeline .fc-step:last-child::before{display:none}\n  #lrg-calc-fc-timeline .fc-dot{\n    position:absolute;left:5px;top:6px;width:20px;height:20px;\n    border-radius:50%;border:2px solid var(--line);background:#fff;\n    display:flex;align-items:center;justify-content:center;\n    font-size:10px;font-weight:700;color:#fff;\n    transition:background .2s,border-color .2s;\n  }\n  #lrg-calc-fc-timeline .fc-step.past .fc-dot{background:var(--past);border-color:var(--past)}\n  #lrg-calc-fc-timeline .fc-step.future .fc-dot{background:var(--future);border-color:var(--future)}\n  #lrg-calc-fc-timeline .fc-step.judicial .fc-dot{background:var(--judicial);border-color:var(--judicial)}\n\n  #lrg-calc-fc-timeline .fc-step-inner{\n    background:var(--paper);border:1px solid var(--line);\n    border-radius:10px;padding:18px 20px;margin-bottom:16px;\n    transition:border-color .2s;\n  }\n  #lrg-calc-fc-timeline .fc-step-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}\n  #lrg-calc-fc-timeline .fc-step-name{\n    font-family:'Fraunces',Georgia,serif;font-size:18px;font-weight:600;\n    color:var(--navy);line-height:1.3;\n  }\n  #lrg-calc-fc-timeline .fc-step-day{\n    font-size:12px;font-weight:600;color:var(--ink-light);\n    white-space:nowrap;font-variant-numeric:tabular-nums;\n  }\n  #lrg-calc-fc-timeline .fc-step-body{\n    font-size:14px;color:var(--ink-mid);line-height:1.6;margin-top:8px;\n  }\n  #lrg-calc-fc-timeline .fc-step-cite{\n    font-size:11px;color:var(--ink-light);margin-top:8px;\n    font-style:italic;\n  }\n\n  \/* Bottom CTA *\/\n  #lrg-calc-fc-timeline .fc-cta{\n    background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px 24px;\n    text-align:center;margin-bottom:16px;\n  }\n  #lrg-calc-fc-timeline .fc-cta h3{\n    font-family:'Fraunces',Georgia,serif;font-size:23px;font-weight:600;\n    color:var(--navy) !important;margin-bottom:7px;line-height:1.25;\n  }\n  #lrg-calc-fc-timeline .fc-cta h3 em{font-style:italic;color:#C8102E !important}\n  #lrg-calc-fc-timeline .fc-cta p{font-size:14px;color:var(--ink-mid);margin:0 auto 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    background:var(--red);color:#fff;border:none;border-radius:8px;\n    padding:15px 40px;font-family:inherit;font-size:15px;font-weight:600;\n    cursor:pointer;transition:background .15s,transform .1s;margin-top:4px;\n    width:100%;\n  }\n  #lrg-calc-fc-timeline .fc-btn:hover{background:var(--red-deep)}\n  #lrg-calc-fc-timeline .fc-btn:active{transform:translateY(1px)}\n  #lrg-calc-fc-timeline .fc-btn:disabled{opacity:.5;cursor:not-allowed}\n  #lrg-calc-fc-timeline .fc-err{font-size:13px;color:var(--red);min-height:18px;text-align:center;margin-top:4px}\n\n  #lrg-calc-fc-timeline .fc-done{text-align:center;padding:14px 0}\n  #lrg-calc-fc-timeline .fc-done .tick{\n    width:56px;height:56px;border-radius:50%;background:var(--active);\n    color:#fff;font-size:28px;display:flex;align-items:center;justify-content:center;\n    margin:0 auto 14px;\n  }\n  #lrg-calc-fc-timeline .fc-done h3{font-family:'Fraunces',Georgia,serif;font-size:24px;color:var(--navy) !important;margin-bottom:8px}\n  #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  #lrg-calc-fc-timeline .fc-counselor .fc-counselor-phone{\n    font-family:'Fraunces',Georgia,serif;font-size:26px;font-weight:600;\n    color:var(--navy);\n  }\n  #lrg-calc-fc-timeline .fc-counselor .fc-counselor-phone a{color:var(--navy);text-decoration:none}\n  #lrg-calc-fc-timeline .fc-counselor .fc-counselor-phone a:hover{text-decoration:underline}\n  #lrg-calc-fc-timeline .fc-counselor .fc-counselor-sub{\n    font-size:13px;color:var(--ink-mid);margin-top:4px;line-height:1.5;\n  }\n\n  #lrg-calc-fc-timeline .fc-f.fc-invalid input[type=\"date\"]{border-color:var(--red);box-shadow:0 0 0 3px rgba(200,16,46,.12)}\n  #lrg-calc-fc-timeline .fc-val-msg{\n    font-size:14px;color:var(--red);line-height:1.5;\n    padding:14px 18px;background:#fff;\n    border:1px solid var(--red);border-left:3px solid var(--red);border-radius:0;\n    margin-bottom:16px;\n  }\n  #lrg-calc-fc-timeline .fc-val-warn{\n    font-size:13px;color:var(--ink-light);line-height:1.5;\n    padding:10px 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><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Texas uses non-judicial foreclosure, which can move from the notice of intent to accelerate to a trustee sale in as few as 41 days under the statutory schedule. This guide walks through each stage and your options to stop or delay the process.<\/p>\n","protected":false},"author":1,"featured_media":9866,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,76],"tags":[],"class_list":["post-9865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying","category-short-sales"],"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: How Fast Can It Happen<\/title>\n<meta name=\"description\" content=\"How fast can foreclosure happen in Texas? Non-judicial process, notice periods, and how to stop or delay it. Timeline for SA and Austin homeowners.\" \/>\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\/lrg-blog\/texas-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: How Fast Can It Happen\" \/>\n<meta property=\"og:description\" content=\"How fast can foreclosure happen in Texas? Non-judicial process, notice periods, and how to stop or delay it. Timeline for SA and Austin homeowners.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/\" \/>\n<meta property=\"og:site_name\" content=\"LRG Realty Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-13T20:14:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-15T15:06:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Levi Rodgers\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Levi Rodgers\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/\"},\"author\":{\"name\":\"Levi Rodgers\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#\\\/schema\\\/person\\\/4cf56ff41820927c9b7945c11af62bdd\"},\"headline\":\"Texas Foreclosure Timeline: How Fast Can It Happen\",\"datePublished\":\"2026-08-13T20:14:55+00:00\",\"dateModified\":\"2026-10-15T15:06:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/\"},\"wordCount\":3371,\"image\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/post-9865-featured.jpg\",\"articleSection\":[\"Home Buying\",\"Short Sales\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/\",\"name\":\"Texas Foreclosure Timeline: How Fast Can It Happen\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/post-9865-featured.jpg\",\"datePublished\":\"2026-08-13T20:14:55+00:00\",\"dateModified\":\"2026-10-15T15:06:47+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#\\\/schema\\\/person\\\/4cf56ff41820927c9b7945c11af62bdd\"},\"description\":\"How fast can foreclosure happen in Texas? Non-judicial process, notice periods, and how to stop or delay it. Timeline for SA and Austin homeowners.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#primaryimage\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/post-9865-featured.jpg\",\"contentUrl\":\"https:\\\/\\\/lrgrealty.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/post-9865-featured.jpg\",\"width\":1536,\"height\":1024,\"caption\":\"Texas Foreclosure Timeline\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/texas-foreclosure-timeline\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Texas Foreclosure Timeline: How Fast Can It Happen\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#website\",\"url\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/\",\"name\":\"LRG Realty Blog\",\"description\":\"LRG Realty Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/#\\\/schema\\\/person\\\/4cf56ff41820927c9b7945c11af62bdd\",\"name\":\"Levi Rodgers\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g\",\"caption\":\"Levi Rodgers\"},\"description\":\"Levi Rodgers is the Owner of The Levi Rodgers Real Estate Group in San Antonio. A retired Special Forces Green Beret and Purple Heart recipient, Levi brings the same discipline and commitment from his Military career to leading one of the country's most successful real estate teams, built on Service, Guidance, and Expertise.\",\"sameAs\":[\"https:\\\/\\\/lrgrealty.com\"],\"url\":\"https:\\\/\\\/lrgrealty.com\\\/lrg-blog\\\/author\\\/lrgrealtyblogs\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Texas Foreclosure Timeline: How Fast Can It Happen","description":"How fast can foreclosure happen in Texas? Non-judicial process, notice periods, and how to stop or delay it. Timeline for SA and Austin homeowners.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/","og_locale":"en_US","og_type":"article","og_title":"Texas Foreclosure Timeline: How Fast Can It Happen","og_description":"How fast can foreclosure happen in Texas? Non-judicial process, notice periods, and how to stop or delay it. Timeline for SA and Austin homeowners.","og_url":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/","og_site_name":"LRG Realty Blog","article_published_time":"2026-08-13T20:14:55+00:00","article_modified_time":"2026-10-15T15:06:47+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured.jpg","type":"image\/jpeg"}],"author":"Levi Rodgers","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Levi Rodgers","Est. reading time":"17 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#article","isPartOf":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/"},"author":{"name":"Levi Rodgers","@id":"https:\/\/lrgrealty.com\/lrg-blog\/#\/schema\/person\/4cf56ff41820927c9b7945c11af62bdd"},"headline":"Texas Foreclosure Timeline: How Fast Can It Happen","datePublished":"2026-08-13T20:14:55+00:00","dateModified":"2026-10-15T15:06:47+00:00","mainEntityOfPage":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/"},"wordCount":3371,"image":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#primaryimage"},"thumbnailUrl":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured.jpg","articleSection":["Home Buying","Short Sales"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/","url":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/","name":"Texas Foreclosure Timeline: How Fast Can It Happen","isPartOf":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#primaryimage"},"image":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#primaryimage"},"thumbnailUrl":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured.jpg","datePublished":"2026-08-13T20:14:55+00:00","dateModified":"2026-10-15T15:06:47+00:00","author":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/#\/schema\/person\/4cf56ff41820927c9b7945c11af62bdd"},"description":"How fast can foreclosure happen in Texas? Non-judicial process, notice periods, and how to stop or delay it. Timeline for SA and Austin homeowners.","breadcrumb":{"@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#primaryimage","url":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured.jpg","contentUrl":"https:\/\/lrgrealty.com\/wp-content\/uploads\/2026\/08\/post-9865-featured.jpg","width":1536,"height":1024,"caption":"Texas Foreclosure Timeline"},{"@type":"BreadcrumbList","@id":"https:\/\/lrgrealty.com\/lrg-blog\/texas-foreclosure-timeline\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lrgrealty.com\/lrg-blog\/"},{"@type":"ListItem","position":2,"name":"Texas Foreclosure Timeline: How Fast Can It Happen"}]},{"@type":"WebSite","@id":"https:\/\/lrgrealty.com\/lrg-blog\/#website","url":"https:\/\/lrgrealty.com\/lrg-blog\/","name":"LRG Realty Blog","description":"LRG Realty Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lrgrealty.com\/lrg-blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/lrgrealty.com\/lrg-blog\/#\/schema\/person\/4cf56ff41820927c9b7945c11af62bdd","name":"Levi Rodgers","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bbd74b65fb346f531071ca7aa6e41c129102826206de2fe4fbd316458379111a?s=96&d=mm&r=g","caption":"Levi Rodgers"},"description":"Levi Rodgers is the Owner of The Levi Rodgers Real Estate Group in San Antonio. A retired Special Forces Green Beret and Purple Heart recipient, Levi brings the same discipline and commitment from his Military career to leading one of the country's most successful real estate teams, built on Service, Guidance, and Expertise.","sameAs":["https:\/\/lrgrealty.com"],"url":"https:\/\/lrgrealty.com\/lrg-blog\/author\/lrgrealtyblogs\/"}]}},"_links":{"self":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts\/9865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/comments?post=9865"}],"version-history":[{"count":7,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts\/9865\/revisions"}],"predecessor-version":[{"id":10332,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/posts\/9865\/revisions\/10332"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/media\/9866"}],"wp:attachment":[{"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/media?parent=9865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/categories?post=9865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lrgrealty.com\/lrg-blog\/wp-json\/wp\/v2\/tags?post=9865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}