Texas Foreclosure Sale Notice Mailing Requirements
Texas requires written notice of a nonjudicial foreclosure sale to be served by certified mail on each debtor who is obligated to pay the debt, at least 21 days before the sale.
Trigger
The trustee or servicer schedules a sale under a deed of trust or other contract lien.
Sender
The mortgagee, mortgage servicer, trustee, or authorized foreclosure professional
Recipient
Each debtor shown in the servicer’s records as obligated to pay the debt
Timing
At least 21 days before the sale date, alongside required posting and county filing.
Mailing method
Certified Mail; service is complete on proper deposit to the debtor’s last known address.
Jurisdiction
Texas; verified 2026-08-01
- State the sale date, place, and earliest time the sale will begin.
- Include all statutory disclosures applicable to the debtor and property.
- Coordinate the mailed copy with the posted and filed notice.
- Export every obligated debtor and last known address from the servicing system.
- Lock the sale date before calculating the 21-day mailing deadline.
- Retain notice versions, mail records, and affidavit-ready mailing evidence per loan.
Where KiteCourier fits
Excellent batch fit for servicers and foreclosure counsel with recurring, deadline-driven notices.
Product constraint
KiteCourier handles the mail workflow only; it does not post or file the notice or validate foreclosure authority.
Exceptions and qualifications
- The mail notice is only one part of the sale-notice process; courthouse posting and county filing are also required.
- Special property, probate, military-service, federal lien, and bankruptcy rules may add recipients or steps.
Source record
Verify the current authority
Texas Property Code § 51.002(b), (e), and (g)
Defines the 21-day sale notice, certified-mail recipient, service completion, and day-counting rule.
2025 Year-End U.S. Foreclosure Market Report
Reports 289,441 U.S. foreclosure starts in 2025, including 37,215 in Texas and 29,777 in California.
Reviewed 2026-08-01 by KiteCourier research. This guide summarizes the cited sources; it is not legal advice and does not determine whether a rule applies to a particular matter. Rules, forms, fees, and agency guidance can change.
Related requirement guides
Turn the final notice into a complete proof record.
Send one letter or a batch. KiteCourier handles printing, USPS handoff, tracking, return receipts, and organized evidence storage.