In Texas, mortgage loans must typically be 120 days delinquent before a lender can start the foreclosure process. However there are exceptions, such as for some small lenders, which allow the process to begin even if you are only one day late with payment. Mortgage lenders typically may foreclose using a non-judicial foreclosure process (i.e. no court order required). However, the government must obtain a court order to foreclose for unpaid taxes. If you are facing foreclosure, there are many opportunities to stop or force a delay of the process. It is highly recommended you obtain legal counsel. For help fighting a foreclosure of your property, contact Attorney Andrew Bernick at 512-763-5370 or by email at Andrew@BernickLegal.com.