Texas Residential Foreclosure Default Notice Mailing Requirements
Before giving a notice of sale for a Texas residence, the mortgage servicer must send the debtor a written default-and-cure notice by certified mail and allow at least 20 days to cure.
Trigger
A debtor is in default on a deed of trust or other contract lien on the debtor’s residence.
Sender
The mortgage servicer
Recipient
The debtor at the debtor’s last known address
Timing
At least 20 days to cure before the notice of sale can be given.
Mailing method
Certified Mail. Service is complete when properly addressed, postage-prepaid notice is deposited in the U.S. mail.
Jurisdiction
Texas; verified 2026-08-01
- State that the debtor is in default.
- Give at least 20 days to cure before notice of sale.
- Include the military-service disclosure required by the statute when applicable.
- Resolve the last known address from the servicer’s records before mailing.
- Keep the final notice, certified-mail number, mailing date, and knowledgeable-person affidavit inputs together.
- Do not create the sale-notice campaign until the cure period has been validated.
Where KiteCourier fits
Excellent recurring fit for banks, servicers, and foreclosure counsel that need standardized preparation and provable deposit dates.
Product constraint
KiteCourier does not calculate default, cure, acceleration, bankruptcy, or federal-servicing compliance.
Exceptions and qualifications
- The 20-day cure rule in subsection (d) is tied to real property used as the debtor’s residence.
- Loan documents, federal servicing rules, bankruptcy, military service, and other law can add requirements.
Source record
Verify the current authority
Texas Property Code § 51.002(d)–(e)
Requires Certified Mail, a 20-day cure period, and defines when service is complete.
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.