Texas lenders usually foreclose without going to court. For property used as your residence, the loan servicer must first send a written notice of default by certified mail and 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 trustee's 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 follow different steps. A property-tax sale is a separate process with its own notices and deadlines.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Texas State Law Library: foreclosure notices before the sale · Texas State Law Library: the trustee's sale · Hood County Clerk — records and foreclosure information · Granbury foreclosure questions