Facing foreclosure in Kenedy County, Texas — anywhere throughout the county? 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 Texas non-judicial foreclosure timing and your options work.
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Texas conducts ordinary mortgage foreclosure as a non-judicial process carried out under a power-of-sale clause in the deed of trust. There is no lawsuit and no court judgment — which means the process can move much faster than in judicial states, and there is generally no statutory right of redemption after most residential foreclosure sales.
The moment you miss payments, the clock can begin to run. Acting early gives you the greatest chance to explore loss mitigation, a loan modification, reinstatement, or a repayment plan before a first-Tuesday auction is scheduled.
Call (213) 536-9372Know the key windows that shape your timeline.
Ordinary Texas mortgage foreclosure is non-judicial. It is carried out under a power-of-sale clause in the deed of trust, without a lawsuit or court judgment, with the sale held on the first Tuesday of the month.
The process begins when you fall behind on your mortgage and the loan goes into default. The later the default goes unaddressed, the greater the risk to your home.
Under Texas Property Code §51.002, the trustee generally gives notice of the default, and you typically have at least 20 days to bring the loan current before foreclosure proceeds.
The trustee must post and serve notice of the foreclosure sale at the location designated for foreclosure sales in Kenedy County, generally at least 21 days before the sale.
In Texas, the foreclosure sale is typically held on the first Tuesday of the month at the county's designated sale location. The highest bidder takes the property.
At any point before the sale, you may be able to pursue loss mitigation, a loan modification, reinstatement, or another option to bring the loan current and stop the foreclosure.
There is generally no statutory redemption after a non-judicial foreclosure sale for most residential mortgages in Texas — so acting before the auction is critical.
Call (213) 536-9372Important
This education is general and does not constitute legal advice. If your situation involves a lawsuit, a separate judicial procedure, or special circumstances, speak with an attorney about your specific case.
Dream Financial Management helps homeowners throughout Kenedy County understand the Texas non-judicial foreclosure process and pursue loss mitigation and loan modification before the first-Tuesday auction.
Negotiate new mortgage terms with your lender to achieve a more affordable payment and bring the loan current.
In some cases, paying the full amount owed within the cure window can bring the loan current and stop the sale.
Explore forbearance, repayment plans and other hardship options your servicer may offer under Texas loss mitigation.
We help homeowners throughout Kenedy County, wherever you are located across the county.
A specialist reviews your loan documents to help identify the options that may fit your specific situation.
Start with a free, confidential, no-obligation review of your foreclosure situation and available paths forward.
Having the right documents ready helps a specialist assess your situation and move quickly. When you contact Dream Financial Management, gather what you can from the list below:
Answers to common questions about Texas foreclosure.
This information is for general educational purposes and does not constitute legal advice. Foreclosure laws vary by situation — consult a licensed attorney for advice specific to your case.