Key Takeaways
- You still own the house until the sale: A Texas foreclosure needs no lawsuit, but it cannot happen before the cure and sale notices run their course.
- The sale has a fixed calendar: Nueces County sales happen on the first Tuesday of the month, between 10 a.m. and 4 p.m., at the county courthouse. The next dates are November 3 and December 1, 2026.
- Two notices come first: On a residence, the servicer must give at least 20 days to cure, then at least 21 days' notice of the sale.
- Federal rules add time: The first filed foreclosure notice generally waits until the loan is more than 120 days behind, and a complete loss mitigation application can pause a sale.
- There is no buy-back after the sale: Texas gives no post-sale redemption on a mortgage foreclosure, and a lender has two years to sue for any shortfall.
- Every option is your call: Reinstatement, a workout with your servicer, a listed sale, a short sale, or a direct cash sale each fit a different calendar.
If you are behind on your mortgage in Corpus Christi, Texas, you still have time and you still have choices. The house is still yours until a trustee's sale actually happens. This guide explains how to stop foreclosure in Corpus Christi, or at least how to see your choices clearly. It walks through the Nueces County calendar one date at a time.
Our statewide guide to stopping foreclosure in Texas covers the law across all 254 counties. This page adds the local detail: where the sale happens, which office files the notice, and the exact sale dates for the coming months. It is general information, not legal advice.
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Let's chatHow Does Foreclosure Work in Corpus Christi?
Foreclosure in Corpus Christi usually happens outside of court, through a trustee's sale held under the power of sale in your deed of trust. Texas Property Code section 51.002 sets the rules for that sale, including the notices, the day, and the place (Tex. Prop. Code § 51.002).
Because no judge signs off, the process is shorter than in many states. It is also predictable. Once you know which notices you have received, you can count forward to the earliest possible sale.
Three people usually appear in your paperwork. The servicer collects your payments and sends the notices. The trustee or substitute trustee conducts the sale, and their name and street address must appear on the notice of sale (Tex. Prop. Code § 51.0075). The lender, or whoever owns the loan, decides whether to accept a workout.
The Corpus Christi Foreclosure Timeline, Step by Step
A Corpus Christi foreclosure moves from a missed payment to a first-Tuesday sale through a federal waiting period and two Texas notices. Here is what you can still do at each step.
| Step | When it happens | What the rule says | What you can still do |
|---|---|---|---|
| 1. First missed payment | Day 1 | Late fees follow your loan documents | Call the servicer, ask about hardship options, and catch up if you can |
| 2. Federal waiting period | Days 1 to 120 | No first foreclosure notice or filing until the loan is more than 120 days delinquent (12 CFR 1024.41(f)) | Send a complete loss mitigation application, list the house, or sell it |
| 3. Notice of default and cure | Set by the servicer, by certified mail | At least 20 days to cure before a notice of sale can be given (§ 51.002(d)) | Pay the past-due amount to reinstate, using a written quote |
| 4. Notice of sale | At least 21 days before the sale | Mailed to you, posted at the courthouse door, and filed with the county clerk (§ 51.002(b)) | Reinstate, apply for a workout, list, or sell with the loan paid at closing |
| 5. The 37-day line | 37 days before the sale | A complete application received earlier bars the sale while it is reviewed (12 CFR 1024.41(g)) | A servicer may still consider a later application, but this federal bar does not apply |
| 6. Trustee's sale | First Tuesday, 10 a.m. to 4 p.m. | Begins at the time in the notice or within three hours after it (§ 51.002(a), (c)) | Until the sale, you still own the house |
| 7. After the sale | 15 days, then 2 years | Lender may rescind in set cases (§ 51.016); any shortfall suit within two years (§ 51.003) | Talk with an attorney about the fair market value offset |
Reading the 120-day rule correctly
The federal rule bars the servicer's first notice or filing for foreclosure until the loan is more than 120 days delinquent (12 CFR 1024.41(f)). In a power-of-sale state, the CFPB's official commentary treats the first document that must be recorded or published as that first notice. In Texas, that generally points to the notice of sale, which is posted and filed.
The mailed cure notice is not recorded, so it may arrive before day 120. Date-stamp every letter when it comes. If a notice of sale went out on day 121, the earliest sale would be the first Tuesday at least 21 days later. That lands somewhere between about day 142 and day 176.
How the days are counted
Texas counts the day a notice is given as day one, and the sale day itself does not count (Tex. Prop. Code § 51.002(d), (g)). Certified mail service is complete when the letter is mailed, not when it reaches you (§ 51.002(e)).
When and Where Is the Nueces County Foreclosure Sale?
The Nueces County foreclosure sale happens on the first Tuesday of the month, between 10 a.m. and 4 p.m., at the county courthouse. Texas law requires the sale at the courthouse of the county where the land sits, in an area the commissioners court designates (Tex. Prop. Code § 51.002(a)).
The Nueces County Courthouse is at 901 Leopard Street, Corpus Christi, TX 78401 (Nueces County Clerk, October 2026). Your notice of sale names the exact area and the earliest time the sale will begin. A commissioners court may also designate a nearby public place instead, so trust the notice over any general description.
Remaining first-Tuesday sale dates for late 2026 and early 2027
The October 6, 2026 sale has already passed. These are the next first-Tuesday dates, with the last day a notice of sale could be given for each one under the 21-day rule.
| Sale date | Sale hours | Latest day to give notice of sale |
|---|---|---|
| Tuesday, November 3, 2026 | 10 a.m. to 4 p.m. | Tuesday, October 13, 2026 |
| Tuesday, December 1, 2026 | 10 a.m. to 4 p.m. | Tuesday, November 10, 2026 |
| Tuesday, January 5, 2027 | 10 a.m. to 4 p.m. | Tuesday, December 15, 2026 |
| Tuesday, February 2, 2027 | 10 a.m. to 4 p.m. | Tuesday, January 12, 2027 |
| Tuesday, March 2, 2027 | 10 a.m. to 4 p.m. | Tuesday, February 9, 2027 |
If a notice was not mailed, posted, and filed by that last day, the house cannot lawfully be sold at that month's sale (§ 51.002(b)). When the first Tuesday falls on January 1 or July 4, the sale moves to the first Wednesday (§ 51.002(a-1)). None of the dates above are affected.
How to find the notice on your house
The Nueces County Clerk's filing department files notices of trustee sales, on the second floor of the courthouse in Room 201. Its records are searchable through the county's Official Public Records portal (Nueces County Clerk, October 2026). State law also requires each county to post filed notices of sale on its website, with the date, time, and location (§ 51.002(f-1)).
One rule matters more on the coast. If the courthouse or clerk's office closes for weather or a natural disaster, the posting and filing may happen up to 48 hours after it reopens (§ 51.002(b-1)). Your mailed notice still has to meet the 21-day rule.
Texas requires each foreclosure notice to carry a conspicuous statement asking active-duty borrowers to tell the sender (§ 51.002(i)). If the loan began before your military service, federal law makes a foreclosure sale without a court order invalid during service and for one year after (50 U.S.C. § 3953). Households at NAS Corpus Christi can read our guide to selling a house near NAS Corpus Christi on PCS orders.
What Can You Still Do Before the First Tuesday?
Before the first-Tuesday sale, a Corpus Christi owner usually has six paths. Each one is your decision, and each needs a different amount of time.
- Reinstate the loan.
- Work out a plan with the servicer.
- File for Chapter 13 bankruptcy.
- List the house with an agent.
- Request a short sale.
- Sell directly for cash.
Reinstate under the cure notice
Reinstatement means paying everything past due, plus fees and costs, to bring the loan current. The cure notice gives you at least 20 days to do it before a notice of sale can go out. Ask the servicer for a written reinstatement quote with a good-through date. Your deed of trust may allow reinstatement later, so read it or ask.
Loss mitigation and forbearance with the servicer
Loss mitigation is the servicer's term for options like a loan modification, a repayment plan, or forbearance. Forbearance pauses or lowers payments for a set time, but the missed amount still comes due. Get every term in writing.
Timing decides how much protection you get. If a complete application arrives before the first notice of sale, the servicer generally cannot make that first notice while it reviews (12 CFR 1024.41(f)(2)). If it arrives more than 37 days before a scheduled sale, the servicer generally cannot conduct the sale until the review and any appeal finish (12 CFR 1024.41(g)).
Chapter 13 bankruptcy
Filing a bankruptcy petition generally triggers an automatic stay that pauses a scheduled sale (11 U.S.C. § 362), and a Texas bankruptcy attorney can tell you whether Chapter 13 fits.
A listed sale on the trustee's timeline
If the next sale date is months away and the house shows well, listing with a local agent may net you more. Corpus Christi houses that sold over the three months ending August 2026 spent a median of 59 days on the market, down from 63 a year earlier (Redfin, August 2026). Add time for inspection, the buyer's financing, and closing. Then compare the total with the dates in the table above.
A short sale
A short sale is a sale for less than the loan payoff, with the lender's written approval. It can make sense when the house is worth less than you owe. Approval takes time and paperwork. Ask in writing whether the lender will waive the remaining balance, because Texas allows a suit for a deficiency.
A direct cash sale before the sale date
A direct cash sale skips showings, financing, and appraisal. The title company orders a payoff statement from your servicer and pays the loan from the sale proceeds at closing. A loan paid in full leaves nothing to foreclose. The closing follows that payoff and the title company's schedule, so the timing depends on how fast those papers arrive.
What Happens After a Trustee's Sale in Texas?
After a trustee's sale in Texas, the house belongs to the buyer at the sale, and the owner has no right to redeem it. Chapter 51 gives no post-sale buy-back period for a mortgage foreclosure. That is why the weeks before the first Tuesday carry so much weight.
The 15-day rescission window
For 15 calendar days after a sale, the lender or trustee may rescind it in specific cases (Tex. Prop. Code § 51.016). Those cases include:
- The statutory requirements for the sale were not met.
- The default was cured before the sale.
- The servicer and owner had a written agreement to cure before the sale.
- A bankruptcy stay was in effect at the time of the sale.
Rescission is the lender's or trustee's decision, and the owner cannot demand it. If you believe one of these applies, tell the servicer and an attorney in writing right away.
Deficiency claims
If the sale price is less than the debt, the lender may sue for the difference within two years of the sale (Tex. Prop. Code § 51.003). You can ask the court to decide the house's fair market value on the sale date. If that value is higher than the sale price, the difference can offset the claim.
Other liens run on their own calendars
A mortgage is not the only claim that can lead to a sale. Unpaid property taxes follow a separate county process with its own rules. Our guide to Nueces County tax foreclosure and redemption covers that path.
Where a Direct Cash Sale Fits
A direct cash sale fits when the next sale date is close, the house needs work, or you want the matter handled privately, without a sign in the yard. It is one option among several, and it is not always the right one.
Propcash is a direct cash homebuyer, founded in 2026 and based in Nashville. Propcash buys as a principal and signs the purchase contract as the buyer. Sellers pay no fees or commissions, sell as-is, and pick the closing date within the time the trustee's calendar leaves. There are no showings and no open houses.
Propcash is only a buyer. It does not negotiate with your lender, and it does not give legal advice. Before you sign anything, ask your servicer for a written payoff statement and confirm the figure yourself.
Why equity matters
Redfin reports a median sale price of $268,322 in Corpus Christi over the three months ending August 2026, down 0.6% from a year earlier (Redfin, August 2026). Separately, the Zillow Home Value Index for Corpus Christi was $223,078 on August 31, 2026, up about 0.3% in a year (Zillow ZHVI, August 2026).
Neither figure prices your house. If your house is worth more than you owe, a sale that pays off the loan lets you keep what is left after liens.
One offer, with the reasoning shown
We make one transparent, data-backed cash offer and show how we got to the number. The offer stands, there is no aggressive follow-up, and we say so if we are not the right buyer. You can request a cash offer on your Corpus Christi house and compare it with your other options.
If a cash sale isn't your best move, we'll tell you and point you to a local agent who fits. We may receive compensation from agents we refer. Our page on selling a Corpus Christi house for cash explains the local process, and our Texas page on selling a house for cash covers the rest of the state.
Free Foreclosure Help in Corpus Christi
Free foreclosure help in Corpus Christi comes from HUD-approved housing counselors and, for eligible owners, legal aid. Be wary of anyone who charges upfront to talk with your servicer.
The CFPB offers a housing counselor finder by ZIP code. Texas RioGrande Legal Aid lists Nueces among the counties it serves. It has a Corpus Christi office at 555 N. Carancahua Street and a second location in the courthouse, Room 105. Its toll-free line is (833) 329-8752.
Be careful with anyone who asks you to deed the house over and rent it back, or to stop talking to your servicer. Show any agreement to a Texas attorney or a HUD-approved housing counselor first.
Why wait? Sell your house “as is” for cash today
Tell us about your house. We'll make you a cash offer based on local market data.
Let's chatFrequently Asked Questions
When is the next Nueces County foreclosure sale on the first Tuesday?
The next Nueces County foreclosure sales fall on Tuesday, November 3, 2026, Tuesday, December 1, 2026, and Tuesday, January 5, 2027. Texas law sets each sale between 10 a.m. and 4 p.m. at the county courthouse, which for Nueces County is at 901 Leopard Street in Corpus Christi. The notice of sale names the exact area and the earliest start time.
How much notice comes before a foreclosure sale in Corpus Christi?
On a house used as your residence, the servicer must first send a certified-mail notice giving you at least 20 days to cure the default. After that, notice of the sale must be given at least 21 days ahead by certified mail, by posting at the courthouse door, and by filing with the county clerk. Both rules come from Texas Property Code section 51.002.
Can you sell a Corpus Christi house after a notice of sale is posted?
Yes, you can still sell after the notice is posted, because you own the house until the trustee's sale happens. The title company pays the loan from the sale proceeds at closing, and a loan paid in full leaves nothing to foreclose. Ask your servicer for a written payoff statement before you sign a contract.
Does applying for a loan modification pause a Texas foreclosure sale?
It can, if the timing is right. Under 12 CFR 1024.41(g), a complete loss mitigation application received more than 37 days before a scheduled sale generally bars the sale. The bar lasts until the review and any appeal finish. A servicer may still consider a later application, but that federal bar does not apply.
Can you get a house back after a trustee's sale in Texas?
Generally no, because Texas Property Code chapter 51 gives no post-sale right to buy the house back after a mortgage foreclosure. For 15 days after the sale, the lender or trustee may rescind it in set cases, such as a default cured before the sale. That choice belongs to them, and the owner cannot require it.
Can the lender sue the owner after a Nueces County foreclosure sale?
Yes, if the sale price is less than the debt. Texas Property Code section 51.003 requires any deficiency suit to be filed within two years of the sale. You can ask the court to set the house's fair market value on the sale date, and a value above the sale price can reduce the claim.
Are military families near NAS Corpus Christi protected from foreclosure?
Often they are, when the mortgage began before service. If the mortgage began before the servicemember's active duty, 50 U.S.C. section 3953 makes a foreclosure sale without a court order invalid during service and for one year after. Texas foreclosure notices must also ask active-duty borrowers to tell the sender in writing.
Data Sources: Texas Property Code chapter 51, 12 CFR 1024.41 (eCFR), 11 U.S.C. § 362, 50 U.S.C. § 3953, Nueces County Clerk, Texas RioGrande Legal Aid, CFPB, Redfin, Zillow. Propcash is a direct cash homebuyer, not a law firm. Consult a Texas attorney or a HUD-approved housing counselor about your case.