Texas forecloses on an ordinary mortgage through a non-judicial process under the deed of trust and its power of sale. Homeowners throughout King County can use the Texas Property Code deadlines to pursue loss mitigation and loan modification before a trustee sale.
24/7 Confidential Line
(213) 536-9372Get a Free Confidential Case Review
No pressure. Just a straight look at your options.
In a Texas non-judicial foreclosure, your mortgage is a deed of trust and the lender can move toward a first-Tuesday trustee sale without going to court. Acting early keeps your loss mitigation and loan modification options open.
Your servicer mails a notice of default. This starts the clock on your opportunity to act before acceleration.
The lender accelerates the loan and files a 21-day Notice of Sale, posting it ahead of the first-Tuesday trustee sale.
Before the sale, you can often request a loan modification or other loss mitigation. The earlier you call, the more room you have to work with.
Worried about a date you’ve been given?
A quick call clears up where you stand and what to do next.
An ordinary Texas mortgage is foreclosed through a non-judicial process — no lawsuit or court judgment is required. The lender acts through the deed of trust and its power of sale under Texas Property Code §51.002.
Before acceleration, the lender mails a notice allowing at least 20 days to cure the default. Paying the arrears within that window can stop the loan from being moved to a trustee sale.
The mortgage names a trustee. On default, the trustee or substitute trustee may use the power of sale to sell the property — without going to court.
A 21-day Notice of Sale is posted and filed before the sale, telling you when and where it will happen and who is conducting it.
The sale happens on the first Tuesday of the month, held at the location designated for foreclosure sales in King County. The highest cash bidder takes the deed.
Call now and we’ll walk through loss mitigation and loan modification options between you and a trustee sale.
Foreclosure notices don’t care where in the county you live. Homeowners throughout King County in West Texas can use the same deed of trust and Texas Property Code protections to pursue loss mitigation and loan modification.
The moment you understand your timeline, you have options. We help families across King County review their notice before a sale date is set.
A 20-day cure and a 21-day Notice of Sale give you hard deadlines you can act on. We translate each date into a clear next step.
You don’t have to negotiate a loss mitigation package alone. Reach us from anywhere in King County and get a straight review of what’s possible.
Not sure where your property sits in the timeline? A quick call clears it up.
(213) 536-9372Having these ready speeds up a productive conversation with your servicer or an advisor:
Talk it through: (213) 536-9372
Call now for a straightforward look at your King County situation, your deadlines, and the loss mitigation and loan modification options that may still be on the table.