Foreclosure filings in Texas are up nearly 20% in 2025. Learn about the unforgiving 21-day timeline and your options to stop foreclosure before the first Tuesday auction.
We understand this might be a difficult time. Get a compassionate consultation and fair cash offer.
If you are falling behind on mortgage payments, you are not alone. Foreclosure filings in Texas are up nearly 20% in 2025 compared to last year. The economic pressure of inflation and insurance hikes has pushed many homeowners into the "danger zone."
But in Texas, the timeline is unforgiving.
Texas has some of the fastest foreclosure laws in the country. Here's what you need to know:
Yes, but you must act before the first Tuesday auction.
This stops the sale immediately but ruins your credit for 7-10 years.
Banks are moving slower on these in 2025 due to volume. Don't count on it saving you at the last minute.
Often the best way to save your equity and credit. If your house is worth more than you owe, you walk away with cash.
If you list with a realtor, it takes 60–90 days to close. You likely don't have that time. Dabney Real Estate Group can close in as little as 7 days—beating the bank's deadline and putting cash in your pocket.
| Metro Area | YoY Increase | Monthly Filings | Risk Level |
|---|---|---|---|
| Houston | +22% | 1,200+ | High |
| Dallas-Fort Worth | +18% | 950+ | High |
| San Antonio | +15% | 400+ | Moderate |
| Austin | +12% | 350+ | Moderate |
Late fees apply (usually 5% of payment)
Lender begins serious collection efforts
You have 20 days to cure the default
21-day countdown to auction begins
House sold on courthouse steps
Sell directly to a cash buyer like Dabney Real Estate Group. We can close before the auction date.
Pay all missed payments, late fees, and legal costs in one lump sum.
⚠️ Requires significant cash on hand
Negotiate with lender to pause payments temporarily.
⚠️ Banks are slow to respond in 2025
Permanently change loan terms to lower payments.
⚠️ Often too slow for foreclosure timelines
List with a real estate agent on the MLS.
⚠️ Usually too slow
Chapter 13 can stop foreclosure but destroys credit for 7-10 years.
⚠️ Last resort with long-term consequences
Bank notices piling up? Don't wait for the Sheriff.
"I was 3 months behind and had received the foreclosure notice. Dabney Real Estate Group closed in 8 days, paid off my mortgage, and I walked away with $15,000. My credit is intact and I can start fresh."
— Michael T., Houston homeowner
If selling fast is your priority, request a no-obligation offer and we can typically respond within 24 hours.
We've helped dozens of Texas families through difficult property situations with compassion and fairness.
