Received a Notice of Trustee Sale in Lubbock? What to Check Immediately
Treat the date printed on the notice as urgent until the authorized servicer, trustee, court, lender, or attorney confirms otherwise. Do not assume that an application, telephone call, offer, or contract postponed the sale.
Discuss the property and deadline
Share the address, owner names, notice type, stated deadline, mortgage or tax information, property condition, occupancy, and title concerns.
Read and preserve the complete notice
Keep every page, attachment, and envelope. Record when and how it was received. The notice may identify the borrower, property, deed-of-trust information, substitute trustee, county, posting location, sale date, sale window, mortgage servicer, and contact information.
Compare the property address, owner name, loan information, and legal description with your records. Do not alter the original notice. Provide copies—not the only original—to attorneys, counselors, buyers, or closing professionals.
- Write down the exact scheduled sale date and time window.
- Confirm whether the notice concerns a mortgage, tax, HOA, or other lien.
- Locate earlier default or cure notices.
- Verify the trustee and servicer using independent contact information.
- Watch for later postponement, cancellation, or replacement notices.
Texas notice stages are not the whole mortgage timeline
Texas Property Code procedures govern many nonjudicial foreclosure sales, including notice and sale requirements. A qualifying residential debtor generally receives a cure opportunity before the sale-notice stage, and the sale notice is generally provided at least 21 days before the sale.
Federal mortgage-servicing rules may also apply before the state foreclosure process begins. Loan type, occupancy, military status, bankruptcy, probate, litigation, loss mitigation, and other facts may affect the process.
Do not use a general website article to calculate the final deadline. The actual documents and current status should be reviewed by the responsible parties and qualified professionals.
Contact the servicer, trustee, counselor, and attorney
Contact the mortgage servicer through a verified number and request current reinstatement and payoff information. Ask whether any complete loss-mitigation application is pending and whether the scheduled sale remains active.
A HUD-approved housing counselor can help homeowners understand servicer communication and available programs. A qualified Texas attorney can evaluate notices, legal defenses, bankruptcy questions, probate, title disputes, military protections, and court-related issues.
Be cautious of anyone demanding large advance payments, instructing you to transfer title immediately, telling you to stop communicating with the servicer, or guaranteeing that the foreclosure will disappear.
Determine whether selling is realistically possible
A sale before the scheduled date requires more than finding a buyer. The parties need sufficient time for a written agreement, access, title work, payoff statements, lien review, signatures, settlement documents, funding, and confirmation that the mortgage will be paid or otherwise resolved.
Ownership problems, deceased owners, divorce, judgments, IRS or tax liens, unpaid property taxes, tenant issues, bankruptcy, damaged property, and missing signatures can delay or prevent closing.
Ask the title company and mortgage servicer what must occur for the loan to be paid and the trustee sale to be cancelled or postponed. Do not rely only on a buyer’s statement.
Prepare for every possible outcome
Continue evaluating retention, listing, direct sale, short sale, bankruptcy advice, and relocation options until the matter is formally resolved. Keep identification, ownership records, mortgage documents, insurance information, tax records, and important personal property organized.
If occupants or tenants are present, do not make promises about removal, possession, deposits, or notices without understanding the applicable rights and written agreements.
Avoid last-minute wire fraud. Verify title-company and wiring instructions using independently confirmed telephone numbers.
Common questions
Is the sale date guaranteed to happen?
A scheduled sale may be postponed, cancelled, replaced, or completed. Confirm the current status with the authorized servicer or trustee.
Does applying for assistance stop the sale?
Not automatically. Ask the servicer how the application affects the scheduled sale and obtain confirmation in writing.
Can I sell after receiving the notice?
Possibly, when ownership, equity, title, access, buyer funding, payoffs, and timing allow a completed closing.
Can the buyer call the trustee for me?
A buyer may help obtain transaction information, but the homeowner should continue direct communication and obtain independent professional advice.
What if the notice is wrong?
Preserve the documents and consult a qualified attorney. Do not assume an apparent error stopped the process.
Is a trustee sale the same as a tax foreclosure?
No. Mortgage, tax, HOA, and other lien foreclosures may use different procedures and professional requirements.
Related Lubbock foreclosure resources
Get a clear property-sale assessment
A direct purchase is only one option. An offer, signed contract, inspection, title order, or scheduled closing does not automatically cancel or postpone a foreclosure, trustee sale, tax suit, or other deadline.
Continue communicating with the mortgage servicer, taxing authority, trustee, court, attorney, and other appropriate professionals until the responsible party confirms the current status.