Waco Non-Judicial Foreclosure Attorney

Texas is a non-judicial foreclosure state. Non-judicial foreclosure describes a situation where the lender may foreclose without a court order. A Waco real estate lawyer can help you navigate this tedious process. 

 Texas Foreclosure Process

In as few as 41 days, Texas homeowners in default on their mortgage can lose their homes. The lender is required to send a written notice to the borrower allowing the borrower 20 days to pay the amount owed to bring the defaulted loan current.

Step One – Notice of Default/Demand Letter


  • A homeowner has 20 days to cure the default. If you are a homeowner, immediately contact an attorney at this time to examine your rights.
  • The lender must also honor the investor’s and insurer’s guidelines, which could extend the period.
  • The lender’s default or demand letter must outline the amount due, and date it must be paid.

After the 20 days, another 21 days must pass before a foreclosure sale is scheduled. At the time, the bank is required to post the notice of foreclosure at the courthouse and file the notice with the county clerk as well as notify the borrower of the date and time of the foreclosure sale.

By law foreclosure sales auctions in Texas occur on the first Tuesday of each month (including legal holidays) following legal notice, and anyone may bid on your property.

Step Two – Notice of the Sale Filed, Posted, and Mailed

  • Filed with the County Clerk
  • Posted at your county courthouse door
  • Must state the earliest time the sale will be held
  • Sent certified mail to all borrowers
  • Must be delivered at least 21 days before the sale date

The trustee named in the deed of trust or its representative reads the foreclosure on the courthouse steps. The sale is to the highest bidder for cash. The trustee or lender representative places a bid for the lender at either the amount of the debt or a lesser amount. A request higher than the lender’s bid will buy the property. The title is transferred using a trustee’s deed to the lender or the highest bidder.

Step Three – Foreclosure Auction Sale

  • Auction sale occurs on the first Tuesday of each month (including legal holidays)
  • Conducted at your County Courthouse
  • Done within three hours designated in the notice
  • Anyone may bid on your home


Once the foreclosure sale has closed, the lender or the new property owner may file an eviction notice if the former owner is still occupying the property. The county constable’s offices serve evictions, and the announcements include a court date. After the court hearing, the defendant/former property owner has five days to vacate the property or appeal the judge’s ruling. After five days, the previous owner will have a minimum of 24 hours to leave the property.


Texas Foreclosure Defense Strategies


There is more than one way homeowners can stop foreclosure. The common foreclosure defense strategies include:


  • Filing for Bankruptcy
  • Produce The Note
  • Truth in Lending Act Violations
  • Truth in Lending Act Reccission
  • Chain of Title
  • Prudential and Legal Standing to Foreclose

Non-Judicial Foreclosure Attorney in Waco 

If you’re looking for a foreclosure lawyer in Waco, then getting a skilled lawyer who understands the procedure for this real estate transaction and the court process is essential. Dunnam & Dunnam’s lawyers are unique in that they are board-certified in residential real estate law, commercial real estate law, and civil trial law.

Vance Dunnam, Jr. is board certified in commercial real estate law and residential real estate law, making him a specialist in real estate law by the Texas Board of Legal Specialization.

Vance Dunnam Waco Attorney at Dunnam & Dunnam

Vance Dunnam, Jr.

Vance has been licensed by the State Bar of Texas since 1977 and has practiced law in Waco, Texas since 1978.

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