If you are facing foreclosure in Shackelford County, Dream Financial Management provides free, confidential assistance to homeowners throughout the county. We help you understand the Texas non-judicial foreclosure process and your options, including loss mitigation, loan modification, and forbearance.
Speak with a housing counselor about your Shackelford County situation.
Your information is kept confidential and never sold.
Texas is a non-judicial foreclosure state. Under the power-of-sale clause in your deed of trust, the lender can proceed to a trustee sale on the first Tuesday of the month without going through the courts. Because the timeline can move quickly, acting early gives you the most options.
If you have received a Notice of Sale, contact a housing counselor right away. Even small delays can narrow your options, so early outreach is essential.
In Texas, ordinary mortgage foreclosures are handled through a non-judicial process governed by the deed of trust and Texas Property Code §51.002. Here is what generally happens.
After a payment default, the lender typically sends a notice of default and intent to accelerate under the deed of trust. You generally have about 20 days to cure the default.
The trustee or substitute trustee posts a Notice of Sale at least 21 days before the sale, describing the property and the time and place of sale.
The sale is conducted by the trustee under the power of sale, usually on the first Tuesday of the month at the location designated for foreclosure sales in Shackelford County.
Texas foreclosure laws and timing can be complex. A housing counselor can help you review your situation and understand what options may be available before the sale date.
Dream Financial Management works with homeowners throughout Shackelford County, Texas. Whether you are in a rural area or one of the county's smaller communities, we can help you understand your options and navigate the process.
Review whether your loan terms can be changed to make your payment more affordable and keep your home.
Understand what it would take to bring the loan current, including amounts, fees, and the deadline to cure.
Explore available loss mitigation options, including forbearance and other alternatives, and how to request them.
Assistance is available to homeowners throughout Shackelford County, with no travel required.
Get help understanding your mortgage documents, notices, and the Notice of Sale if you have received one.
Speak with a housing counselor about your situation and your options at no cost and in confidence.
Homeowners throughout Shackelford County can speak with a housing counselor today.
(213) 536-9372Having the right documents ready can help you get a clearer picture of your situation. Consider gathering the following before your review.
Homeowners throughout Shackelford County can get help understanding their options.
This information is provided for general educational purposes only and does not constitute legal advice. Consult a licensed Texas attorney for advice specific to your situation.