Cameron County Foreclosure Resources
Complete guide to the foreclosure process in Cameron County, Texas. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
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Foreclosure Type
Non-Judicial
Avg. Timeline
Notice-and-sale timeline
Mediation
Not Mandatory
Population
431,874
2024 U.S. Census Bureau estimate
Cameron County Foreclosure Timeline
Texas is primarily a non-judicial foreclosure state. The default process runs through a trustee under a power of sale - outside the court system - and it moves fast. A foreclosure lawsuit is not automatic; it becomes necessary only if the homeowner or the lender files separately. Understanding each phase is critical.
Under Tex. Prop. Code § 51.002 the lender must send a notice of default at least 20 days before the notice of sale is given. This first notice triggers the right to respond and to request loss mitigation, and in Cameron County it is the earliest point at which the file should be acted on.
The notice of sale must be filed with the county clerk, posted at the courthouse door, and mailed to the borrower at least 21 days before the sale. The sale may only occur on the first Tuesday of a month.
The trustee or substitute trustee named in the deed of trust conducts the sale on the first Tuesday of the month at the courthouse door in Cameron County. Texas provides no statutory right of redemption after a non-judicial sale for most residential property.
Courthouse & County Offices
Cameron County Courthouse
974 E Harrison St, Brownsville, TX 78520
(956) 544-0800
Mon–Fri 8:00AM–5:00PM
Cameron County Judicial Annex
974 E Harrison St, Brownsville, TX 78520
(956) 544-0800
Mon–Fri 8:00AM–5:00PM
Clerk of Court
Cameron County District Clerk
Maintains the district court records. In Texas an ordinary foreclosure runs non-judicially through the trustee, so no court filing is required to conduct the sale itself; the District Clerk's foreclosure-related filings arise in the separate proceedings described on this page.
County Recorder
Cameron County Clerk — Real Property Records
Sheriff / Sale Info
Cameron County Sheriff's Office
7300 Old Alice Rd, Olmito, TX 78575
(956) 554-6700
Texas trustee sales are conducted by the trustee named in the deed of trust, not the Sheriff. The Sheriff becomes involved only later, if possession must be recovered through a judicial eviction after the sale.
Is Mediation Available?
Texas has no mandatory statewide foreclosure mediation program and none is required in Cameron County. Texas instead pairs a short notice period with two back-end protections: the borrower's right to seek a fair-value determination on any deficiency under Tex. Prop. Code § 51.003, and the constitutional rule requiring a court order before a home equity loan may be foreclosed.
Filing Requirements
- •Notice of default sent at least 20 days before the notice of sale (Tex. Prop. Code § 51.002)
- •Notice of sale filed with the county clerk, posted at the courthouse door, and mailed to the borrower at least 21 days before the sale
- •Sale held only on the first Tuesday of a month
- •Sale conducted by the trustee or substitute trustee named in the deed of trust
- •No statutory right of redemption after a non-judicial sale for most residential property
- •Deficiency limited to debt minus fair market value on borrower request (Tex. Prop. Code § 51.003), requested within 2 years of the sale
Key Statutes
Tex. Prop. Code § 51.002
Tex. Prop. Code § 51.002
Governs the non-judicial deed-of-trust foreclosure process, including the 20-day notice of default and the 21-day notice of sale.
Tex. Prop. Code § 51.003
Tex. Prop. Code § 51.003
Limits a deficiency to the debt minus fair market value where the borrower requests a fair-value determination within 2 years of the sale.
Tex. Prop. Code §§ 51.002-51.015
Tex. Prop. Code §§ 51.002-51.015
The statutory family governing Texas non-judicial foreclosure practice and procedure.
Right of Redemption
Texas provides no statutory right of redemption after a non-judicial foreclosure for most residential property — once the trustee's deed is delivered, the sale is final. The narrow exceptions are home equity loans under Tex. Const. Art. XVI, § 50 and property tax foreclosure sales. Because the notice window is short, acting the day a notice arrives is critical.
Deficiency Judgments
A Texas lender may pursue a deficiency, but it is not the raw debt-minus-sale-price figure. Under Tex. Prop. Code § 51.003 the borrower may ask a court to determine the property's fair market value at the time of sale, and any deficiency is then calculated against that fair market value rather than the auction price. The request must be made within 2 years of the sale.
Legal Aid
Texas RioGrande Legal Aid
Free civil legal representation for qualifying low-income Texans, including foreclosure defense and housing matters across the Rio Grande Valley.
Lone Star Legal Aid
Free civil legal services for qualifying low-income residents, including foreclosure defense.
Frequently Asked Questions
How fast is a Cameron County foreclosure?+
Texas runs on a fixed statutory clock rather than a variable one. The lender must send a notice of default at least 20 days before the notice of sale, and the notice of sale must be filed, posted, and mailed at least 21 days before the sale itself. The sale may only be held on the first Tuesday of a month. Those periods set the runway — which is why the day a notice arrives is the day to act.
Where is the Cameron County foreclosure sale held?+
Texas trustee sales are held at the courthouse door of the county where the property is located, on the first Tuesday of the month. Cameron County sales are conducted at the courthouse in Brownsville, the county seat.
Can the lender get a deficiency after my Cameron County foreclosure?+
It can pursue one, but the amount is limited. Under Tex. Prop. Code § 51.003 you may request a court determination of the property's fair market value at the time of sale, and the deficiency is calculated against that value — not the auction price. You must request it within 2 years of the sale.
Does Texas have a right of redemption after foreclosure?+
For most residential property, no. Once the trustee's deed is delivered after a non-judicial sale, the sale is final and there is no statutory redemption period. The narrow exceptions are home equity loans under Tex. Const. Art. XVI, § 50 and property tax foreclosure sales.
How are home equity loans different in Texas?+
Texas treats home equity lending under its own constitutional rules, and a home equity loan cannot be foreclosed non-judicially — a court order is required. That is a genuinely separate proceeding from the ordinary trustee sale that governs most Cameron County foreclosures, and it means the standard non-judicial timeline does not describe a home equity case.
What shapes housing in Cameron County specifically?+
Cameron County is the southernmost county in Texas, with Brownsville, Harlingen, San Benito and Los Fresnos forming its main population centers along the Rio Grande Valley. Its housing market differs from the state's large metros in ways that matter for a foreclosure: median values run well below the Texas average, a meaningful share of homes carry no mortgage at all, and manufactured housing and colonia subdivisions are a real part of the stock. Where a home is worth less than the debt owed, the gap a lender can pursue is genuine — and Tex. Prop. Code § 51.003 is the provision that governs how any deficiency is measured. Property tax foreclosure is also a genuinely separate proceeding from the deed-of-trust sale described above.
Where can I get free help in Cameron County?+
Texas RioGrande Legal Aid serves Cameron County and provides free civil legal help to qualifying residents. A HUD-approved housing counselor is the right first call as well.
More Resources for Cameron 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.
Free Case Review
Talk to our team about your situation — 100% free and confidential. Same-day response.
Texas Foreclosure Statutes
The full statutory analysis — citations, notice requirements, redemption, and deficiency rules.
Foreclosure Defense Hub
Every defense category, court procedure, and document library in one place.
Non-Judicial Foreclosure Defense
The power-of-sale process — trustee duties, statutory notice, and where a defense is raised outside court.
Foreclosure Auction & Trustee Sales
How the sale itself works, who bids, how credit bids extinguish equity, and what can still be challenged.
Notice of Trustee Sale
The notice that starts the statutory clock before a trustee conducts the sale.
Defense Categories
Standing, chain of title, lost note, dual tracking, and servicing violations.
Servicer Violations
Dual tracking, fee stacking, escrow errors, and loss-mitigation failures as claims.
Federal Protections
RESPA, TILA, FDCPA and SCRA — the federal overlay that applies in every state.
Looking for a specific servicer? Browse the mortgage servicer directory for company-level contacts and complaint routes. If your foreclosure has already moved past the notice stage, start with the court procedures library to see where the case currently stands.
Facing Foreclosure in Cameron County?
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