If you are facing a mortgage hardship in Coke County, Texas, help is available. Our team helps homeowners understand Texas foreclosure timelines, loss mitigation options, and the steps you can take to avoid a foreclosure sale.
20-Day
Cure Period
21-Day
Notice of Sale
Texas
Non-Judicial Process
Speak with a housing counselor about your situation. All information is confidential.
Texas foreclosure timelines move quickly, and acting early gives you more options. Here is what to prioritize as soon as you miss a mortgage payment.
The Notice of Default and the 21-day Notice of Sale define your deadline to act. Do not skip any document from your lender or the trustee.
Ask for a loan modification, forbearance, or repayment plan. Reviewing loss mitigation may delay or avoid a foreclosure sale.
Texas sales are generally set for the first Tuesday. Track the exact sale date and location named in your Notice of Sale.
Not sure what to do next? Talk with someone who can help.
Call (213) 536-9372 for a Confidential ReviewIn Texas, most mortgage foreclosures follow a non-judicial process using the deed of trust and its power of sale clause, governed by the Texas Property Code.
After a missed payment, you generally have about 20 days from the Notice of Default to cure the delinquency before the next step begins.
The trustee sends a Notice of Sale at least 21 days before the proposed sale date under Texas Property Code §51.002.
The sale is generally held on the first Tuesday of the month at the location designated for foreclosure sales in Coke County.
A substitute trustee named in the deed of trust conducts the sale. Loss mitigation can potentially stop or postpone the sale.
Important Texas note
Because Texas uses a non-judicial process for most ordinary mortgage foreclosures, there is generally no court lawsuit or sheriff-sale procedure in these cases. The trustee and the terms of the deed of trust drive the timeline.
Foreclosure assistance is available to homeowners throughout Coke County, from the county seat of Robert Lee to surrounding communities in the Concho Valley region of Texas.
We review your mortgage details to explore a possible loan modification that could make your payment more affordable and sustainable.
We help you understand loss mitigation options and prepare the documentation your lender or servicer needs to evaluate your case.
We work to ensure your situation is heard so you can explore every reasonable path to avoid a foreclosure sale.
Homeowners throughout Coke County can count on experienced, confidential assistance.
Speak with someone today about your options.
The right information and the right help make all the difference. Start here.
Your mortgage note, deed of trust, Notice of Default, and Notice of Sale contain the dates and terms that drive your timeline.
Understand what a modification request involves and what to include so your lender can fully evaluate your situation.
Facing foreclosure is stressful. We help you understand your options so you can make an informed decision.
Get the help you need, today.
Homeowners throughout Coke County can reach out for a confidential discussion of their options.