If you are a homeowner in San Antonio or elsewhere in Bexar County facing a Texas foreclosure, time is critical. Texas uses a non-judicial process — most foreclosures proceed by trustee sale rather than a court case.
Our team reviews your deed of trust, notices, and documentation — and helps you understand your options, including loss mitigation, loan modification, reinstatement, and the civil-suit context that can matter before a first-Tuesday trustee sale.
Bexar County homeowners
Texas is a non-judicial foreclosure state — most foreclosures proceed by trustee sale rather than a court case. Under Texas Property Code Chapter 51, the process moves quickly, so the earlier you act, the more options you may preserve.
After a mortgage default, the servicer may send a breach or cure notice with a cure period under Texas Property Code § 51.002(d). Understanding the cure window and your right-to-cure notices early is important.
Under Texas law, a notice of sale must be filed at least 21 days before the sale date, posted at the courthouse, and mailed to the borrower. This is your final warning before a first-Tuesday trustee sale.
Trustee sales are held on the first Tuesday of the month at the county courthouse. Texas provides no post-sale right of redemption, so action before the sale date is what matters most.
In Texas, stopping a trustee sale typically requires filing a civil lawsuit in District Court before the first Tuesday sale date. Acting early — before the sale — can make a real difference.
Texas uses non-judicial foreclosure almost exclusively under Texas Property Code Chapter 51 — one of the fastest foreclosure processes in the United States. Here is how it generally works.
Notice of Default & Intent to Accelerate
The servicer sends a breach or cure letter with a cure period under Texas Property Code § 51.002(d). Curing usually requires paying the full arrears.
Notice of Sale
A notice of sale is filed at least 21 days before the sale date, posted at the courthouse door, and mailed to the borrower.
Trustee Sale — First Tuesday
The property is sold at auction on the first Tuesday of the month at the county courthouse to the highest bidder. There is no post-sale right of redemption.
Texas foreclosures can move quickly — often in around 60 days from breach notice to auction. Acting before the first Tuesday sale date is critical.
Since Texas uses non-judicial foreclosure, there is usually no court case to answer. Stopping a sale typically requires filing a civil lawsuit in District Court before the sale date.
Civil Suit in District Court
A civil lawsuit that asserts wrongful-foreclosure, lending, or servicing claims is the typical path to seek to stop a Texas trustee sale.
Temporary Restraining Order
A court may issue a temporary restraining order that halts the sale while the claims are heard. This must be pursued before the first Tuesday.
Standing to Foreclose
The foreclosing entity must be able to demonstrate it holds the note and has the authority to foreclose.
Loss Mitigation & Negotiation
Loan modification, reinstatement, repayment, and workout arrangements may be worth pursuing as foreclosure alternatives.
Military families: Texas law provides protections that may allow active service members to postpone a foreclosure sale, and additional protections may apply under the Servicemembers Civil Relief Act (SCRA).
We assist homeowners throughout Bexar County — from San Antonio to the surrounding incorporated cities and suburban developments. Whether you own in the central city or a newer outer-area subdivision, we're here to help you understand your options.
Every situation is different. Depending on your circumstances, we may review the following options and documentation:
Examining loss-mitigation options and servicer correspondence, including any applications, denials, or pending review related to your loan.
Reviewing loan modification terms and how any proposed changes might fit your income and hardship situation.
Reviewing reinstatement and repayment or workout arrangements that may be available as a foreclosure alternative.
Reviewing your mortgage documents, default and sale notices, deed of trust, and any court papers for issues that could matter to your case.
Reviewing the notice-of-sale and trustee-sale timeline and deadlines to help you understand where you stand and what may come next.
Because stopping a Texas trustee sale typically requires a civil suit in District Court, we help review the context and coordinate with the professionals who can represent you.
Please note: We are not a law firm and do not provide legal advice. We prepare and review documents, help you understand the process, and coordinate with the licensed professionals who can represent you in a Texas court action. We do not promise specific results.
Having the right documents ready helps us quickly understand your situation and identify the options worth reviewing. Here is a practical checklist for a Texas homeowner facing a non-judicial foreclosure.
You do not need every item on this list before reaching out. Send us what you have — our team can guide you on anything that is missing.
Contact Us About Your ReviewExplore additional Dream Legal Solutions resources for Texas homeowners.
Statewide information on Texas foreclosure law and process.
View State PageGeneral foreclosure-defense guides and document resources.
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Start NowTexas foreclosure deadlines are strict. Get your situation reviewed before the first Tuesday sale date.
Disclaimer: Dream Legal Solutions is a document-preparation and case-review service. We are not a law firm and do not provide legal advice. We cannot guarantee results, forgiveness of any debt, or the outcome of any legal matter. If you need legal advice or representation, we recommend consulting a licensed Texas attorney. Information on this page is general education and is not legal advice.