Facing foreclosure in Calhoun County, Texas — in or near the county seat of Port Lavaca, or in Point Comfort or Seadrift? You still have options. Dream Financial Management has been helping Texas homeowners since 1994. Request a free, confidential review of your situation and learn how to stop the sale and keep your home.
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Because Texas forecloses through a non-judicial deed of trust process rather than through court, the timeline can move quickly. Acting early gives you the most options — including loss mitigation and loan modification — to stop the sale before it happens.
Under Texas Property Code §51.002, a homeowner who has missed payments generally has a 20-day cure period from the date of notice before a foreclosure sale can be accelerated. This window can let you bring the loan current and stop the process.
The trustee or substitute trustee posts a Notice of Sale at least 21 days before the scheduled sale, as required by Texas law. This notice sets the auction date and is a critical deadline to know.
Texas foreclosure auctions are generally held on the first Tuesday of the month at the location designated for foreclosure sales in Calhoun County. If you have a sale date approaching, time is of the essence.
Note on timing: The overall length of a Texas foreclosure can vary based on the loan documents, the servicer, and the specific circumstances. These are the key statutory milestones rather than a guaranteed total timeline. The right time to act is as early as possible after a missed payment.
In Texas, most home mortgages are secured by a deed of trust containing a power of sale clause. This allows the lender to foreclose without going through court — a process governed by Texas Property Code §51.002.
After missed payments, the notice triggers a 20-day cure period under §51.002. Bringing the loan current within this window can stop acceleration before the sale.
The trustee or substitute trustee files and posts a Notice of Sale at least 21 days before the auction, stating the date, time, and location designated for foreclosure sales in Calhoun County.
The sale is conducted by the trustee at the designated Calhoun County location on the first Tuesday of the month, per Texas law and the terms of the deed of trust.
After the sale, options narrow. Taking action before the auction — via loss mitigation, loan modification, or reinstatement — is the most effective way to protect your home.
Calhoun County lies on the Texas Gulf Coast of South Texas. From the county seat of Port Lavaca to the communities of Point Comfort and Seadrift, homeowners facing a possible foreclosure sale have options — but acting early is key.
Dream Financial Management provides free, confidential foreclosure reviews for Calhoun County homeowners. We work to help you understand the Texas non-judicial process, explore loss mitigation and loan modification, and protect your home before the first Tuesday sale.
Having the right documents ready and understanding your options can make a meaningful difference. Here is what to prepare and answers to common Calhoun County and Texas foreclosure questions.
Your deed of trust, note, and any notices of default or sale from your servicer.
Your property address, recent pay stubs, bank statements, and a summary of hardship.
Letters, notices, and emails from your lender — including the Notice of Sale if you have received one.
Calhoun County homeowners have options, but Texas moves quickly. Get a free, confidential foreclosure review today and learn exactly where you stand.