Texas Foreclosure Law and Procedure

Here is a summary of foreclosure laws and rules for the State of Texas:

  • In Texas foreclosure law permits either a mortgage or deed of trust.
  • Lenders primarily use deed of trust and foreclose by trustee sale.
  • There is no right of redemption in Texas, however the borrower has 20 days to reinstate.
  • Much more information is available throughout this website, but for definitive advice ask a Texas lawyer.

If you are interested in reading the actual statutes relevant to mortgage and foreclosure in Texas those laws are available online.
Learn more about what the above procedures and rules mean. Review the homeowner foreclosure guide on this website.
What are Texas' foreclosure laws?