Facing Foreclosure in Dallas–Fort Worth?
Find out where you actually stand, how much time you really have, and what can still be done. A real person answers 24 hours a day.
Free. No obligation. Nothing to sign.
First: how much time do you actually have?
This is the question everyone asks, and the answer depends entirely on where you are in the process. Find yourself below.
Behind on payments — no formal notice yet
You likely have months, not weeks
Federal servicing rules generally prevent your servicer from making the first official foreclosure filing until you are more than 120 days delinquent. That is roughly four missed payments. This is the widest your options will ever be, and it is the moment most people waste because nothing looks urgent yet.
You have received a notice of default
Weeks — and the clock is now formal
A notice of default typically gives you at least 20 days to cure the arrears. If it is not cured, the lender can move to accelerate the loan and post the property for sale, which requires another 21 days of notice before the auction. Options still exist here, but they narrow week by week.
A sale date has been posted
Days — call today, not next week
Texas foreclosure sales are held on the first Tuesday of the month, on the courthouse steps of your county. If your property has been posted, the date is fixed and it is close. Fewer paths remain open, but “fewer” is not “none” — and every one of them requires time we no longer have much of.
Why Texas is faster than people expect
Texas is a non-judicial foreclosure state. Your lender does not have to sue you or appear before a judge to sell your home. Once the formal notices begin, the process can run in as few as 41 days from first notice to auction — among the fastest timelines in the country.
What can still be done
Which of these is realistic depends on where you are, whether your income has recovered, and how much equity is in the home. Most homeowners have more than one option, and most do not know it:
- Reinstatement — paying the arrears to bring the loan current and stop the process.
- Repayment plan — spreading what you owe across future payments.
- Forbearance — a temporary pause or reduction while a short-term hardship passes.
- Loan modification — changing the terms of the loan itself. Worth understanding properly, including what it does to your payment, before you count on it.
- Protecting the equity you have built — if there is equity in the home, there are ways to extract it and transition to a lower cost living situation, rather than watching it disappear at the courthouse.
We will walk you through all of them, including the ones that do not involve us at all, and including the ones your lender should already have offered you.
The mistakes that cost people the most
- Waiting. Every option on the list above needs time. The ones that keep you in the home need the most.
- Going quiet on the lender. Avoiding the calls does not slow anything down, and it closes doors your servicer is otherwise required to offer you.
- Paying an upfront fee. Federal and state regulators warn about companies that charge in advance to “save” your home. You should not have to pay anyone to find out what your options are.
- Assuming bankruptcy solves it. A filing can pause a sale, but Chapter 13 requires you to keep paying the mortgage going forward. If the payment was not affordable before, the plan does not make it affordable.
What happens when you call
A real person answers, 24 hours a day. We will ask what is going on, look at where you actually are in the process, and tell you plainly which options are open to you and which are not.
There is no fee, no retainer and nothing to sign. We are not attorneys and not financial advisors — we are DFW foreclosure specialists who have been doing this since 2017. If you would rather meet in person, we will come to you anywhere in Dallas, Tarrant, Collin, Denton or Rockwall County.
We will never tell you to stop talking to your lender. We will get on the phone with them alongside you.
Keep reading
- Your foreclosure notice, explained — which notice you got and what it means.
- Understanding your loss mitigation options — all six options, and the 2025 rule change.
- Behind on your mortgage payments — what happens at 30, 60, 90 and 120 days.
- Foreclosure education — the Texas process end to end.
Find out where you stand — free.
One call tells you how much time you have and every option still open to you.
24 hours a day. Se habla español.