Facing foreclosure in Denton County — Denton, Lewisville, Carrollton or The Colony? 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.
Free, confidential review · No obligation · Licensed nationwide
Tell us a little about your situation — a specialist will reach out within 24 hours.
Texas is one of the fastest foreclosure states in the country. Once the foreclosure process begins, the trustee sale can be scheduled within roughly 60 days from the initial notice. The longer you wait, the fewer options you have. Acting early gives you the best chance to stop the auction and keep your home.
Even if you have missed payments, or a Notice of Sale has already been posted at the Denton County Courthouse, you may still be able to reinstate your loan, negotiate a loan modification, or stop the sale. But you need to act quickly.
Texas is a non-judicial foreclosure state. That means the lender does not need to file a lawsuit to foreclose. Instead, foreclosure proceeds under the deed of trust's power-of-sale clause, governed by the Texas Property Code. There is no court hearing before the sale, which is why Texas can move so quickly. Here is how the process typically unfolds in Denton County.
After you fall behind on your mortgage, the lender typically sends a notice to cure. In Texas this is sometimes called a "notice of intent to accelerate." You generally have around 20 days to bring the loan current before the lender can move forward with foreclosure.
The lender or substitute trustee must post a Notice of Sale at the Denton County Courthouse at least 21 days before the sale date. This notice is public. Once it is posted, the foreclosure is imminent unless you act.
Foreclosure sales are held at public auction on the first Tuesday of each month at the county courthouse in Denton. The property is sold to the highest bidder, which is often the lender itself.
Texas generally does not require a court confirmation hearing. If the sale proceeds do not fully cover the debt, the lender may be able to pursue a deficiency judgment against you for the shortfall, subject to the terms of the note and Texas law.
For most residential mortgages, there is no statutory right to redeem (buy back) the property after the sale. This makes stopping the sale before the first Tuesday auction critical — once the sale happens, your options narrow dramatically.
Dream Financial Management does not provide legal advice, and laws can change. Any information here reflects current commonly-applicable Texas foreclosure practices. Because your specific lender, loan documents and timeline matter, request a free confidential review so a specialist can assess your actual situation and the correct options for stopping the sale.
Denton County spans the northern Dallas–Fort Worth metroplex, from the historic county seat of Denton down through the rapidly growing suburbs of Lewisville, Carrollton, Little Elm and The Colony. If you live in any of these communities — or anywhere in Denton County — your foreclosure is handled through the same non-judicial Texas process, with the first Tuesday auction at the Denton County Courthouse in Denton.
County seat of Denton County, where the first Tuesday foreclosure auction is held.
Major suburb along I-35E known for its lake and entertainment district.
Large metroplex suburb on the south edge of Denton County.
Growing community on the shores of Lake Lewisville.
Suburban city along Lake Lewisville in south Denton County.
We help homeowners throughout Denton County, wherever you are located.
Negotiate new terms to make your payment affordable.
Pay the amount owed to bring the loan current and stop the sale.
Explore forbearance, repayment plans and other hardship relief.
A specialist reviews your loan documents and outlines every option.
Having these documents ready helps our specialists move faster and give you the most accurate assessment of your options in Denton County.
Your original loan documents.
Monthly mortgage statements and payoff quotes.
Notice to cure, Notice of Sale, or court correspondence.
Income and expense details showing your hardship.
If you're behind on your mortgage in Denton County, every day counts. Request a free, confidential foreclosure review today and find out exactly what options you have to stop the sale and keep your home.