Facing foreclosure in Austin? Texas is a non-judicial foreclosure state — the process can complete in approximately 60 days, among the fastest in the nation. Travis County District Court is generally where civil lawsuits are filed to halt a first-Tuesday auction, and the Travis County District Clerk maintains the court records. The Travis County Clerk handles recording of foreclosure notices. TX Constitution Art. 16 § 50 provides strong homestead protections. We prepare civil complaints, TRO applications, and all Travis County-ready documents to help Austin homeowners fight back before the auction date.
Travis County District Court
1000 Guadalupe St — Austin, TX 78701
~60 Day Timeline
Non-judicial — among fastest in the nation
Travis County Clerk & District Clerk
Notice recording & court document filing
Pro Se Document Prep
Prepared for Travis County filing
Rush response within 24 hours
Texas is a non-judicial foreclosure state under TX Property Code § 51.002. The process can move very quickly — generally around 60 days from start to auction — among the fastest timelines in the country. The lender typically issues a 20-day notice to cure the default, followed by a 21-day Notice of Sale posted at the Travis County Courthouse and filed with the Travis County Clerk. The sale generally occurs on the first Tuesday of the month at the courthouse at 1000 Guadalupe St. There is generally no post-sale right of redemption for standard non-judicial foreclosures in Texas, so pre-sale action is the homeowner's primary recourse. Filing a civil lawsuit in Travis County District Court and seeking a temporary restraining order (TRO) is generally the method to halt the auction. TX Constitution Article 16 § 50 provides among the strongest homestead protections in the nation. Homeowners should consult with a qualified Texas attorney to evaluate their specific legal options.
Notice of Default & 20-Day Cure — TX Prop Code § 51.002(d)
The lender sends a Notice of Default giving the borrower 20 days to cure (bring the loan current). Among the shortest cure periods in the country. You may also receive a separate breach letter from the servicer. The 20-day clock generally starts when the notice is sent — do not wait to seek help.
Notice of Sale — 21 Days — Travis County
A Notice of Sale must be posted at the Travis County Courthouse at 1000 Guadalupe St (generally at the courthouse door or designated posting area) and filed with the Travis County Clerk at least 21 days before the first-Tuesday auction. The notice specifies the date, time, and place of sale. Strict compliance is required — defective notices may support legal challenges.
First Tuesday Auction — Travis County
Generally held on the first Tuesday of each month at the Travis County Courthouse, 1000 Guadalupe St, Austin, TX 78701. There is generally no post-sale right of redemption for standard non-judicial foreclosures in Texas. Filing a civil lawsuit in Travis County District Court and obtaining a TRO before the sale is the primary method to halt the auction. We prepare the complaint and TRO application — you file with the Travis County District Clerk.
TX non-judicial foreclosure can complete in approximately 60 days. Generally no post-sale redemption. File a civil lawsuit and seek a TRO in Travis County District Court before the first-Tuesday auction.
Because Texas foreclosures move so fast — often inside 60 days — the window to act is short. But that urgency cuts both ways. Lenders and servicers routinely make errors that Austin homeowners can use to stop the sale, force a modification, or even dismiss the action.
The strongest defenses combine a careful review of your loan documents with strict-compliance challenges to the notice and sale process in Travis County.
Texas strictly requires the Notice of Sale to be posted at the Travis County Courthouse and filed with the clerk at least 21 days before the auction, containing the exact date, time, and place of sale.
Missing or inaccurate information, posting in the wrong location, or insufficient notice days can all support a temporary restraining order and challenge to the sale.
Even in non-judicial foreclosures, the party conducting the sale must demonstrate it holds the note and mortgage. Errors in assignments, MERS transfers, and securitization paperwork can undermine standing.
A deficiency in standing can be a powerful basis to enjoin the sale and force the true owner to come forward.
Texas has strict rules for home equity (HELOC) loans under TX Const. Art. 16 § 50(a)(6). If the lender failed to follow these requirements — including limits on total debt and specific document requirements — the lien may be void or unenforceable.
This is one of the most powerful and homeowner-friendly defenses available in Texas.
Federal mortgage servicing rules can prohibit foreclosing while a complete loss mitigation application is pending. Foreclosing during an active modification review may violate those rules.
Documenting these violations can stop a pending sale and provide leverage for a modification.
The amount demanded in the payoff and sale often includes errors — misapplied payments, unearned fees, incorrect interest, or improper escrow charges. A forensic review can expose these mistakes.
When the amount is wrong, the sale is tainted, giving you grounds to challenge the trustee's figures.
After sale, lenders may pursue a deficiency judgment. Under TX Prop Code § 51.003, the deficiency must be based on fair market value — not the foreclosure sale price, which is often artificially low.
Challenging the deficiency amount can eliminate or substantially reduce post-foreclosure exposure.
The 60-day clock leaves no room to wait. But lenders make mistakes every day — and those mistakes can save your home. Get a fast review of your notices, loan documents, and servicing history before the first Tuesday auction.
Texas non-judicial foreclosure can complete in approximately 60 days. There is generally no post-sale right of redemption — pre-sale action in Travis County District Court is the homeowner's primary recourse. We prepare every document you need to file before the first-Tuesday auction. Free consultation. No obligation.