Midland and Odessa homeowner guide
Updated October 7, 2026
Foreclosure notices and deadlines can be stressful. Texas procedures, your loan documents, and your circumstances all matter. Use this page as a starting point for finding official information and qualified help, not as legal advice or a way to calculate your deadline.
What foreclosure means
Foreclosure is a legal process to enforce a mortgage lien after a default. A missed payment does not tell you the exact status of a loan or when a sale could occur. The applicable process depends on the loan, the deed of trust, required notices, and other facts.
If you receive a mortgage or foreclosure notice
- Read it and keep a copy. Note the sender, dates, requested action, and any stated sale date. Do not ignore mail or court papers.
- Contact your servicer promptly. Use the number on your statement or its verified website. Ask for the current account status, available loss-mitigation options, documents needed, and deadlines. Request important information in writing.
- Get independent guidance. The CFPB offers a search for HUD-approved housing counselors. You can also call the HOPE Hotline at 888-995-HOPE (4673) for help finding counseling.
- Talk with a Texas attorney when the stakes are immediate. If you have a scheduled sale, court papers, or questions about a notice or contract, seek legal advice promptly. A general article cannot evaluate your rights or stop a deadline.
- Watch for rescue scams. Be wary of upfront fees, promises to stop foreclosure, requests to transfer your deed, or instructions to stop paying your servicer. See the CFPB’s scam guidance and the Texas Attorney General’s mortgage-scam information.
Where to verify Texas foreclosure procedures
Texas Property Code Section 51.002 addresses sales of real property under contract liens and required notices. The statute is only one part of the analysis; the loan documents, other laws, and facts can affect what applies. Ask an attorney about your specific situation instead of relying on a general timeline.
The CFPB’s mortgage-options guide also explains why homeowners should contact their servicer and seek HUD-approved counseling.
Considering a home sale?
A possible sale is one choice to evaluate alongside options from your servicer and independent advisors. An inquiry or offer from a buyer does not automatically pause or stop a foreclosure. Before signing anything, confirm in writing the proposed buyer, price, expenses, property responsibilities, possession date, and conditions. If a sale date is near, ask your attorney and servicer how timing affects your situation.
You can read our general guides to comparing a direct offer with a listing and selling a house for cash in Midland or Odessa. MRE Home Buyer is operated by MRE HOME BUYER LLC, a real estate investment company. We are not a lender, law firm, tax advisor, or housing counselor, and we cannot promise to stop or delay foreclosure.
If you would like to discuss a potential sale of a property in Midland or Odessa, you can share the property details here. You can review other options and seek independent advice before making a decision.