Facing foreclosure in Taylor County — in Abilene, at the heart of the Big Country? 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. Under the Texas Property Code, the process runs on a minimum timeline of a 20-day notice to cure followed by a 21-day notice of sale, so a foreclosure can often be completed within roughly two months of the initial notice — though timelines vary. 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 in Taylor County — such as at the location designated for foreclosure sales in Taylor County, serving Abilene — 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 §51.002. There is no court hearing before the sale, which is why Texas can move so quickly. Here is how the process typically unfolds in Taylor County.
After you fall behind on your mortgage, the lender typically sends a Notice of Default and Intent to Accelerate. Under Texas Property Code §51.002(d), you generally have at least 20 days to cure the default — meaning pay all past-due amounts, including fees, to bring the loan current.
If the default is not cured, the lender files a Notice of Substitute Trustee Sale with the county clerk and posts it at the county courthouse at least 21 days before the auction. The notice is also mailed to the debtor by certified mail. Once it is posted, the sale is imminent unless you act.
Foreclosure sales are held at public auction on the first Tuesday of each month (unless it falls on January 1 or July 4) at the location designated for foreclosure sales in Taylor County, serving Abilene, the county seat. The property is sold to the highest cash bidder, which is often the lender itself.
If the sale proceeds do not fully cover the debt, Texas may allow the lender to pursue a deficiency. Any deficiency is subject to the specific facts of the loan and the property's value, so it is important to understand your exposure and your options after the sale.
For most residential mortgages, Texas has no general post-sale statutory right of redemption once the substitute trustee's deed is recorded. This makes stopping the sale before the first Tuesday auction at the designated Taylor County sale location critical.
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. The Texas Homeowners Assistance Fund (TXHAF) may also offer payment assistance for qualifying homeowners.
Taylor County sits in the heart of West Texas' Big Country, anchored by the county seat of Abilene. If you live in or around Abilene, Merkel, Tye or elsewhere in Taylor County, your foreclosure is handled through the same non-judicial Texas process, with the first Tuesday auction held at the location designated for foreclosure sales in Taylor County.
County seat and largest city in Taylor County, at the heart of the Big Country.
Small community located west of Abilene in central Taylor County.
Community located west of Abilene along the I-20 corridor.
Rural residents and small communities throughout Taylor County.
We help homeowners throughout Taylor County, wherever you are located.
Families throughout the West Texas Big Country region.
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.
Sent after you fall behind, generally giving at least 20 days to cure the default under Texas Property Code §51.002(d).
Filed and posted at least 21 days before the scheduled auction date at the designated Taylor County sale location.
Recorded after the sale transfers title to the highest cash bidder, typically the lender.
Request a free, confidential review and learn the options available for your Taylor County home before the auction date.