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Free tool — Texas homeowners

Texas Foreclosure Timeline Calculator

Texas foreclosure moves on a calendar. Enter a missed payment or a target auction month and see each step with real dates.

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Map your timeline

General information about the Texas non-judicial process — with real calendar dates.

General information only — not legal advice. Timelines vary; talk to a Texas real-estate attorney or a HUD-approved housing counselor.

Free tool

Your options before the auction

The sooner you act, the more options you have.

Sell the house

If you have equity, selling before the auction — even for cash, as-is — can protect your credit compared with a foreclosure on your record.

Reinstate the loan

Paying everything past due plus fees within the cure period stops the process. Get the exact figure from your servicer in writing.

Loan modification

Your servicer may restructure the loan to lower the payment. You apply directly with the servicer, and it can take time.

Forbearance

A temporary pause or reduction in payments agreed with your servicer. It does not erase what you owe — it moves it — but it can buy you breathing room.

General information only — not legal advice. Timelines vary; talk to a Texas real-estate attorney or a HUD-approved housing counselor.

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Talk to us before the auction

Free, no obligation. If a sale makes sense, you can get a cash offer in 24 hours and close on your timeline.