Missed a mortgage payment (or three)? You’re not alone—and you’re not out of options.
At Happy to Buy Homes, we’ve helped plenty of Texas homeowners navigate tough situations like this. Whether you’re just behind a month or already getting foreclosure letters, understanding what’s next is the first step to taking back control.
Here’s a breakdown of what happens when you stop paying your mortgage in Texas—and what you can do about it.
First Things First: Texas Is a “Non-Judicial Foreclosure” State
This means your lender doesn’t have to go through the courts to foreclose on your home. That’s important because the process moves faster here than in many other states—so timelines matter.
The Foreclosure Timeline in Texas (What to Expect)
Here’s a simplified version of the typical process:
🗓️ 1–15 Days After Missing a Payment:
Your grace period. Most lenders allow a short window where you can make a payment without late fees. After that, they’ll start charging interest and penalties.
📬 15–30 Days Late:
Expect calls, letters, and emails from your lender’s collections department. This is where they’ll “remind” you—often persistently—that your payment is past due.
🔁 30–90 Days Late:
You’re now officially in default. The lender will continue collection efforts and may report the delinquency to credit bureaus, impacting your score.
📝 After 90+ Days Late:
You’ll receive a Notice of Default or a Notice of Acceleration, informing you that the entire loan balance is due. This is your final warning before foreclosure proceedings begin.
⚖️ 21 Days Before Auction:
If no payment or arrangement is made, your lender will file a Notice of Trustee’s Sale. In Texas, this can be filed just 21 days before the scheduled foreclosure auction date.
⛔ Foreclosure Auction (First Tuesday of the Month):
If you haven’t resolved the situation, your home will be sold at public auction on the courthouse steps. At this point, it’s out of your hands.
So What Can You Do If You’re Behind?
Let’s talk options—because you’ve got some, even if it feels overwhelming right now.
✅ 1. Catch Up on Payments (Reinstatement)
If you have the funds, you can reinstate your loan by paying everything you owe (including late fees and penalties) before the auction date. But for many folks, that’s easier said than done.
✅ 2. Request a Loan Modification or Forbearance
Some lenders may agree to adjust your loan terms or pause payments temporarily. It’s worth calling them to ask—but be prepared for lots of paperwork and waiting.
✅ 3. Sell the House Before Foreclosure
This is where we come in. If reinstating the loan isn’t realistic, selling your house can stop foreclosure in its tracks, protect your credit, and allow you to move on with money in your pocket.
At Happy to Buy Homes, we buy houses in any condition, even if they’re just weeks away from auction. We’ll give you a fair, fast offer and can often delay the foreclosure while we close.
Why a Cash Sale Might Be Your Best Option
If you’re under pressure, here’s why homeowners in Texas often choose to sell to us:
- 🕒 We close quickly—sometimes in 7 days or less.
- 💸 No fees, no commissions, and no repairs needed.
- 🤝 We handle the paperwork, the lender, and the stress.
- 🧾 You avoid foreclosure and its long-term credit impact.
- 💰 You walk away with cash—not just regret.
You’re Not Alone—And You’re Not Stuck
Foreclosure is scary. But it doesn’t have to define what happens next.
If you’re behind on payments and wondering what to do, let’s talk. No pressure, no sales pitch—just honest answers from people who’ve helped others in your exact situation.
📞 Call us today at 737-377-3519 or
📩 Send us a message to get a free, no-obligation cash offer.
Let’s figure this out—together.