If you're facing mortgage difficulties in Alpine or anywhere throughout Brewster County, understand your options under the Texas non-judicial foreclosure framework — including the 20-day cure period, 21-day Notice of Sale, loss mitigation and loan modification.
A specialist focused on Texas homeowners will follow up with you.
Texas follows a structured non-judicial foreclosure process with important deadlines. Acting early — before these dates pass — is the single most important thing you can do to preserve your options.
Under Texas rules that apply to many deeds of trust, a borrower may have a cure period to bring a delinquent mortgage current before a sale proceeds. Timeline must be confirmed from your loan documents.
Texas law requires a Notice of Sale to be posted and filed at least 21 days before a foreclosure sale. This notice is your signal that time is running.
Under Texas Property Code §51.002, a non-judicial foreclosure sale generally takes place on the first Tuesday of the month. The date and timing must be confirmed for your specific sale.
Engaging loss mitigation early — before the sale — can open options such as a repayment plan, forbearance, or a loan modification. The sooner you reach out, the more options may be available.
A loan modification adjusts the terms of your mortgage to make payments more manageable. Whether you qualify depends on your lender's programs and your financial situation.
Deadlines move quickly in a non-judicial foreclosure. If you've received a Notice of Sale or a notice of default, contact a specialist right away to explore your options before the sale date.
Most home mortgage foreclosures in Texas are non-judicial — meaning they proceed under the power of sale in a deed of trust, rather than through a lawsuit. Understanding this process is key to knowing your options.
Your mortgage is secured by a deed of trust naming a trustee. The power of sale clause is what permits a non-judicial foreclosure without a lawsuit.
The lender and trustee must follow Texas Property Code §51.002, including a 20-day cure period and a 21-day Notice of Sale posted and filed in advance of the sale.
The sale is conducted by the trustee or substitute trustee, generally on the first Tuesday of the month, at the location designated for foreclosure sales in Brewster County.
Before the trustee's sale date, there may still be time to pursue loss mitigation, a repayment plan, or a loan modification. Reaching out as early as possible helps preserve the most options. Results are never guaranteed, so act promptly.
Brewster County is anchored by Alpine, the county seat and primary city. We provide foreclosure-assistance information for homeowners in Alpine and throughout Brewster County, Texas.
County seat of Brewster County. Homeowners here can explore loss mitigation and loan modification options before any sale date.
Assistance information is available to homeowners throughout Brewster County, regardless of where in the county they live.
Talking through your situation early, before the 21-day Notice of Sale period runs, can preserve more options for addressing the mortgage.
Reach out today to understand your options through the Texas non-judicial process — the earlier you act, the more options you may have.