What Are the Different Types of Foreclosures in Texas?

Not all foreclosures work the same way in Texas — and the differences matter a lot for how much time and recourse you have.

Mortgage Foreclosure

This is the fastest of the three and, importantly, final at the sale — Texas gives homeowners no right to redeem (buy back) a home after a mortgage foreclosure auction. Most residential mortgages use non-judicial foreclosure, meaning the lender doesn't need a court order. One notable exception: if your loan is a home equity loan, a HELOC, or a reverse mortgage, Texas requires the lender to get a court order first, which means you'll be served with court papers and get a real chance to respond.

Property Tax Foreclosure

This goes through court, and if the property is your homestead, you have 2 years to redeem it after the sale — though you'll pay a 25% premium in year one and 50% in year two on top of what the buyer paid.

HOA Assessment Foreclosure

You generally have 180 days to redeem the property after your homeowners association mails notice of the sale.

Why This Matters

Knowing which type applies to your situation tells you exactly how much real runway you have — and whether redemption is even on the table.