★ Veteran-owned · San Antonio, Austin, Killeen
Foreclosure timeline
Texas Foreclosure Timeline Calculator
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.
What type of loan do you have?
Not sure? Check your closing documents. A home equity loan will reference Article XVI, Section 50 of the Texas Constitution.
When did you first miss a payment?
The due date you first failed to pay. If unsure, use the first of the month.
If you have received these
If received. The 20-day cure letter from your servicer.
If you have been given one.
Questions about your timeline?
Talk through the dates and notices you have received with a licensed Texas real estate agent. No cost, no obligation.
Free HUD-approved housing counseling
No-cost, government-sponsored counseling for homeowners facing foreclosure.
Or visit hud.gov/counseling to find a counselor near you.
Or visit hud.gov/counseling to find a counselor near you.
Still have questions?
A licensed Texas real estate agent can walk through the dates and notices you have received. No cost, no obligation.
Educational notice. 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.
If you are facing foreclosure, contact a licensed Texas real estate attorney and a HUD-approved housing counselor at 1-800-569-4287.
Sources: 12 CFR 1024.41 (Regulation X); Texas Property Code §51.002; Texas Constitution Art. XVI, §50; Texas Rules of Civil Procedure, Rules 735-736.
If you are facing foreclosure, contact a licensed Texas real estate attorney and a HUD-approved housing counselor at 1-800-569-4287.
Sources: 12 CFR 1024.41 (Regulation X); Texas Property Code §51.002; Texas Constitution Art. XVI, §50; Texas Rules of Civil Procedure, Rules 735-736.
