This article explains the foreclosure process in Texas, and ways to prevent foreclosure. Texas foreclosure frequently asked questions and how the Harris county foreclosure auction works.Get a highly converting sample letter to distressed homeowners that will help you buy their preforeclosure property. Contact us immediately at (832) 831-0833 for a free foreclosure defense consultation or fill out our form. I am in foreclosure, what options do I have? The Texas foreclosure process has roughly 160 days from start to finish until a home goes into auction, so knowing where you stand can help you decide. Once your mortgage loan has been delinquent for 120 days, you will receive written notice in the form of a breach letter. The current assignment of the lien recorded in the real property records of the county where the property is located. In the use or modification of these materials, each lawyer must depend on his or her own expertise and knowledge of the law. Once you receive the notice of foreclosure, you will have 38 days to respond.