Bexar County Foreclosure Resources
Complete guide to the foreclosure process in Bexar County, Texas. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
Response within 24 hours
Foreclosure Type
Non-Judicial
Avg. Timeline
45–60 days
Mediation
Not Mandatory
Population
2.1 million
Bexar County Foreclosure Timeline
Texas is primarily a non-judicial foreclosure state. The process moves outside the court system through a trustee — and it moves fast. Understanding each phase is critical.
The lender sends a notice of default before any notice of sale. This first notice triggers your right to respond and to request loss mitigation. In Texas, acting on this first notice is the single most important step — the process is one of the fastest in the nation.
The trustee records and mails the notice of sale at least 21 days before the sale. The notice is posted and published in the county's legal newspaper. Defective or improperly served notice is a successful wrongful-foreclosure defense.
Texas non-judicial sales are held under the power of sale on the first Tuesday of the month at the Bexar County Courthouse in San Antonio. The property is sold to the highest bidder. There is generally no statutory right of redemption afterward.
Courthouse & County Offices
Bexar County Courthouse
100 Dolorosa, San Antonio, TX 78205
(210) 335-2000
Mon–Fri 8:00AM–5:00PM
Cadena-Reeves Justice Center
300 Dolorosa St, San Antonio, TX 78205
(210) 335-2000
Mon–Fri 8:00AM–5:00PM
Clerk of Court
Bexar County District Clerk
Handles district court filings for foreclosure disputes, home-equity foreclosures requiring court orders, and fair-value deficiency hearings.
Sheriff / Sale Info
Bexar County Sheriff's Office
200 N Comal St, San Antonio, TX 78207
(210) 335-6000
Texas non-judicial sales are conducted by the trustee, not the Sheriff. After the sale, the Sheriff executes writs for possession if the new owner obtains a court order.
Is Mediation Available?
Texas has no mandatory statewide foreclosure mediation program. San Antonio-area initiatives have offered voluntary loss-mitigation help, but none is mandatory today. Acting on the notice of default is the principal protection Bexar homeowners have.
Filing Requirements
- •Notice of default sent at least 20 days before the notice of sale
- •Notice of trustee sale recorded, posted, and mailed at least 21 days before the sale
- •Sale held on the first Tuesday of the month at the county courthouse
- •Home equity loans require a court order before foreclosure
- •Generally no statutory right of redemption after a Texas sale
- •Deficiency limited to debt − fair market value; borrower may request fair value determination within 2 years
Key Statutes
Texas Property Code § 51.002
Tex. Prop. Code § 51.002
The core non-judicial foreclosure statute — notice, posting, and sale requirements for the power of sale.
Texas Property Code § 51.003
Tex. Prop. Code § 51.003
Fair-value limitation on deficiency: the borrower can request a fair value determination within 2 years of the sale.
Texas Constitution Art. XVI, § 50
Tex. Const. Art. XVI, § 50
Home equity loans cannot be foreclosed non-judicially — they require a court order.
Right of Redemption
Texas generally provides no statutory right of redemption after a non-judicial foreclosure for standard residential mortgages. Narrow exceptions protect home equity loans (which require court order) and property-tax foreclosure sales. Act immediately on the notice of default.
Deficiency Judgments
A Texas lender may pursue a deficiency, but it is limited to the debt minus the fair market value (not the auction price). Under Tex. Prop. Code § 51.003, Bexar homeowners can request a fair value determination within two years of the sale. Procedural violations also support a wrongful-foreclosure defense.
Legal Aid
Frequently Asked Questions
How fast is a Bexar County foreclosure?+
Texas is among the fastest foreclosure states. After a 20-day notice of default and a 21-day notice of sale, the trustee sale occurs on the first Tuesday of the month — typically completing in roughly 45 to 60 days. Act on the first notice you receive.
Where is the San Antonio foreclosure sale held?+
Texas non-judicial sales occur on the first Tuesday of the month at the county courthouse. In Bexar, sales are conducted at the Bexar County Courthouse on Dolorosa St.
Does my home equity loan require a court order?+
Yes. Texas home equity loans under the Constitution cannot be foreclosed non-judicially — the lender must get a court judgment first. This is a powerful protection and a strong defense point.
How can a fair value determination reduce my deficiency?+
If the lender sues for deficiency, you can request the court to use the property's fair market value rather than the low auction price. This often cuts Bexar homeowners' exposure dramatically.
Where can I get free help in Bexar County?+
San Antonio Legal Services Association and Texas RioGrande Legal Aid provide free help to qualifying residents. Start with a HUD-approved housing counselor immediately.
More Resources for Bexar County Homeowners
Texas Foreclosure Laws
Complete state-level guide to foreclosure laws, timelines, and homeowner protections.
Foreclosure Defense
Comprehensive defense strategies to stop or delay foreclosure in any U.S. county.
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