Under Texas law, what is the minimum number of days that a borrower has to be notified of a foreclosure?

In Texas, the law mandates that a borrower must be notified of a foreclosure at least 30 days before the foreclosure sale takes place. This requirement is designed to give the borrower adequate time to seek alternatives or to cure the default, ensuring that they are not taken by surprise when the foreclosure sale is scheduled. This notification period is a critical aspect of protecting borrowers' rights in the foreclosure process, as it allows them to understand their situation and explore options, such as loan modifications, repayment plans, or seeking assistance from legal or housing counselors.

The choice of 30 days aligns with legal standards enacted to provide fairness and transparency in the foreclosure process, offering a practical timeframe for borrowers to act. Other options, such as 21 days or shorter periods, do not meet this statutory requirement and therefore would not fulfill the legal obligations placed on lenders. Similarly, longer notification periods, like 45 or 60 days, exceed the minimum requirement, which is specifically set at 30 days under Texas law.