Summary of Texas' Foreclosure Laws

If you are facing foreclosure in Texas, it’s important to understand some of the basics, including:

• the most common type of foreclosure procedure (judicial v. nonjudicial) used in Texas
• how much time you have to respond
• your rights and protections in the process, and
• what happens afterwards (for example, whether you’ll be liable for a deficiency judgment).

Below we have outlined some of the most important features of Texas foreclosure law. Keep in mind that this is just a summary; we’ve included statute citations so you can get more details from the laws themselves. And be sure to check out Nolo’s extensive Foreclosure section, where you can find information about all aspects of foreclosure, definitions of foreclosure terms (like redemption and reinstatement), and options to avoid foreclosure.