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Foreclosure

A legal research guide on the state and federal laws for foreclosure.

Property Liens


Note Foreclosure procedures may be impacted by the COVID-19 pandemic. Please see the Homeowners subpage on the COVID-19 and Texas Law research guide for current information related to COVID-19 and foreclosures.

What Type of Liens Can Be Foreclosed On?

Property liens are notices that are attached to a piece of real property by a creditor when money is owed to them by the homeowner. There are several different kinds of property liens in which foreclosure can be used to collect the debt that is owed. Some of the most common that we get asked about here at the library are listed below.

Mortgage/Deed of Trust

If you fall behind on your loan payments, or if you break the terms of the loan agreement, the lender can foreclose on the property. See the resources below for more on this type of lien.

Property Taxes

If you fall behind on your property taxes, the local taxing authority can foreclosure on the property. See the resources below for more on this type of lien.

Property Owners Association Assessments

If you fall behind on your association's dues/assessments, the property owners association can foreclosure on your home. See the resources below for more information as well as the Assessments and Foreclosure page of our Property Owners Association guide to learn more about this type of lien.

Manufactured Housing

If you fall behind on your loan payments, the lender can foreclosure on a manufactured home in certain circumstances. See the resources below for more information on this type of lien.

E-Books from the Texas State Law Library

You can borrow the e-books below with your library account. Don't have a library account? Texas residents can register for a library account online! Learn more about how to register online.