Often, yes, if your sale closes before the foreclosure sale. In Texas, a lender usually forecloses on a home without going to court. This is called a non-judicial foreclosure sale, and a trustee or substitute trustee runs it. For property used as your residence, the loan servicer must first send a written notice of default by certified mail. It must give you at least 20 days to catch up before a sale can be noticed. Then, at least 21 days before the sale, the notice of sale must be posted at the courthouse, filed with the county clerk and sent by certified mail to each borrower. The sale is a public auction at the county courthouse, usually on the first Tuesday of the month between 10 a.m. and 4 p.m. It must start no later than three hours after the time stated in the notice. Some foreclosures go through court instead, and those follow different steps. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.