How Does Texas’ Foreclosure Timeline Stack Up?

by Houston Agent


How does Texas' foreclosure timeline stack up with the rest of the United States? Unsurprisingly, it's a judicial affair.

By Peter Ricci

If the housing downturn has accomplished anything, it’s given us a new perspective on data. Formerly obscure sets of data, from the Case-Shiller Home Price Indices to the monthly delinquency reports from CoreLogic, are now pivotal cues to the housing recovery, with the real estate media (us included!) closely following their ebbs and flows. Perhaps the most intriguing set of data to capture the nation’s attention, though, has been the various foreclosure timelines across the 50 states, and how those individuals state’s policies on delinquencies and foreclosures have dictated just how long it takes for a lender to finally, officially repossess a property.

Judicial v. Nonjudicial Foreclosure Timelines

Of course, no element of the foreclosure process has been more heavily scrutinized than that of judicial and nonjudicial procedures. The meme is common by now to most agents – judicial states require an infinitely longer stretch of time to complete foreclosure proceedings compared to that of their nonjudicial brethren – but a fascinating new infographic from the KCM Blog has contributed a new perspective to that fact by taking a map of the U.S. and color coding it according to what each state’s average timeline is to complete a foreclosure. And it should come as no surprise that the results fall almost completely across judicial/nonjudicial lines.

Texas, as a nonjudicial state, actually boasts the shortest foreclosure timeline in the nation with an absolutely sparkling 97 days. Just think – New York, at 1,072 days, it takes nearly 1,000 additional days (or nearly three years) to complete foreclosure proceedings! Here’s now it broke down:


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