This is an educational site. We are not a law firm, not a HUD counselor, and we do not represent you with your lender or in court. If a sale is this week, go to Who to call first — this page is the index.
Texas process guides first, then topic pages. County sale addresses and the city-to-county list live on Counties, not in this index. First-Tuesday dates for this year: 2026 calendar.
Texas process guides
- How foreclosure works in Texas — Power of sale, 20-day default notice, 21-day sale notice, first Tuesday or Wednesday, and why most Houston files never go to a courtroom.
- How many payments can you miss? — What 30/60/90/120 days delinquent usually means, federal 120-day rules, and what a posted sale date actually is.
- How to avoid foreclosure — Call the servicer early, keep paying unless you have a written plan, use HUD counselors, skip rescue pitches. HAMP ended in 2016.
- How to try to keep the house — Reinstatement, loss mitigation, selling before the sale, bankruptcy as a last path, and what this site will not do for you.
- Who to call — Avenue CDC, Tejano Center, Fifth Ward CRC, HOPE 1-888-995-HOPE, HUD locator, Lone Star Legal Aid. We are not a counseling agency.
Topic guides
- Talk to your mortgage company — Why calling is usually in your interest, what the servicer actually needs, and why that still is not a promise they will say yes.
- Notice of trustee sale — 21-day posting, filing, and mailing. What to copy off the paper before you call anyone.
- Short sale vs. foreclosure — A short sale needs written lender approval. It is not signing a deed this week.
- Tax sale vs. mortgage foreclosure — Same first Tuesday, different case. Paying the bank does not automatically stop a tax sale.
- HOA vs. mortgage — Assessment liens can run on a separate track from the deed of trust.
- Rescue scams — No large upfront fee. No deed this week. HUD counseling is free.
County sale pages
Where the sale is called is a different job from how the process works. Use the Counties map for Harris through Matagorda. If you only have a city name (Katy, Pearland, The Woodlands), start at which county is my house in?. Confirm the street on your notice.
Spanish twins of these guides: Guías.