Facing foreclosure in Fort Bend County — Sugar Land, Missouri City, Richmond or Rosenberg? 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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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 Fort Bend 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 Fort Bend 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 Fort Bend 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 Richmond, the county seat. 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.
Fort Bend County sits just southwest of Houston and is one of the fastest-growing counties in Texas, home to the master-planned community of Sugar Land, the county seat of Richmond, and the growing suburbs of Missouri City, Rosenberg and Stafford. If you live in any of these communities — or anywhere in Fort Bend County — your foreclosure is handled through the same non-judicial Texas process, with the first Tuesday auction at the Fort Bend County Courthouse in Richmond.
Large master-planned community and retail hub in central-eastern Fort Bend County.
County seat of Fort Bend County, where the first Tuesday foreclosure auction is held.
Suburban community on the eastern edge of Fort Bend County.
Growing city adjacent to Richmond in west-central Fort Bend County.
Small suburban city on the northern edge of Fort Bend County.
We help homeowners throughout Fort Bend 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 Fort Bend 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 Fort Bend 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.