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Foreclosure Auction Selling Process in Texas
Foreclosure Conduct of Sale Process in Texas What is a foreclosure?Foreclosure is a process that allows the lender to take over the property when a homeowner defaults or falls behind on mortgage payments.  For complete description of what a foreclosure is and what phases does it have, please see  http://www.texasfivestarrealty.com/Foreclosure_Process.asp
Pre-foreclosure Process (Phase 1) in Texas: Notice of Sale Timelines When a homeowner falls behind on mortgage payments, the lender will send a series of notices to the homeowners allowing them to correct the problems, otherwise its’ intention to sell the property at auction. Per Texas Property Code 51.002 these notices must be given a minimum number of days to the homeowner prior its action. These time lines are:
1)      Notice of Default (minimum 20 days)
2)      Notice of Acceleration (minimum 20 days)
3)      Notice of Sale (Sometimes combined with #2 above)
i)        Minimum 21 days.
ii)       Posted at Court House
iii)     Mailed, certified Return Receipt Requested, to debtor with address on Deed of Trust.
iv)     Filed with County Clerk
Foreclosure Process (Phase 2) in Texas:  Conduct of Sale Auction at Court Step If the problem has not been resolved between the lender and homeowner prior to the date and ... more

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