Missed a mortgage payment — the clock started
One missed payment is not the auction. It is how the file starts. Late fees. Default interest. Letters. People ignore the letters until a notice of sale shows up, then they act shocked at the date. By then the fee stack is already eating whatever equity they thought they had.
Behind is still the better window. The Fort Bend clerk packet is late. Cash if the payoff works. A short sale if you owe more than the house will sell for — and that needs time. Waiting to “catch up next month” is how most of these files get posted.
We buy Houston-metro houses as the purchaser. We do not catch you up. We do not stop a foreclosure sale. Behind on the mortgage. If a default letter already came.
Talk about selling the house. If you intend to keep it, free help.
What the statute actually says
One missed payment is not the auction. It is how default starts. Before a home can be posted, Property Code § 51.002(d) requires a certified-mail default notice and at least 20 days to cure. After that comes the 21-day notice of sale in § 51.002(b), then the first Tuesday.
Late fees are contract and servicing. The calendar is statute. Behind is still the better window to sell. We do not catch you up. We buy if you want out.
Statute links are the official text. This site is not a law firm. We buy houses. We do not give legal advice.
We do not stop a foreclosure sale. We are the buyer, not your agent.
Related: Is this house in foreclosure? · Sell a house in foreclosure · How we buy · Default letter · Owe more than it is worth · Fort Bend sale months