How Many Missed Payments Before Foreclosure in Texas?
Wondering How Many Payments You Can Miss Before Foreclosure in Texas?
If you’ve missed one or two mortgage payments, you might be wondering:
“When does foreclosure actually start?”
“How much time do I have before I lose the house?”
Here’s the short answer for Texas: ✅ Most lenders start foreclosure after 3–4 missed payments
✅ Once the process starts, you may only have 21 days’ notice of the auction
So while you still have time, you need to act quickly
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Texas Foreclosure Timeline
Here’s a simplified version of how it works in Texas:
30 days late: You get a late notice and fees
60–90 days late: Loan is considered in default
After 90+ days: Lender can send a Notice of Default + Intent to Accelerate
21 days before sale: You receive a Notice of Sale — foreclosure auction is scheduled
Texas is a non-judicial foreclosure state, so the process moves faster than many expect.
Want to stop the clock? Here’s how to sell before foreclosure ➔
Behind on Payments in Texas? You Still Have Time — But Not Much
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