To stop foreclosure in Texas, you've got to act fast. That's because neither state law nor time is on your side.

In fact, Texas is one of the harshest places to be a distressed homeowner. Here's why:

? Texas offers the option of non-judicial foreclosure. That means the lender doesn't even have to hold a court hearing where he presents proof and you have the right to challenge it. Instead, they can take away your home just by filing papers. To stop a foreclosure in Texas, you often do not have the courts as a petitionary avenue.

? The process period between the time you are noticed of foreclosure and the time the auction happens is just 27 days! Compare that to Ohio, for instance, where it takes a minimum of six months to get to auction.

? Furthermore, the lender can require that you pay the entire amount of the mortgage - not just the amount past due. This is not a common feature across the states. Stopping foreclosure in Texas may require paying off the entire mortgage. This is because Texas law relies on an unusual concept called "Title Theory" which states that the property title remains in trust until payment in full occurs on the underlying loan.

? There's no Redemption Period. The Redemption Period is the time between the auction and the time when the homeowner can be evicted. During this period, the homeowner can buy back the home for the price paid at auction. Other states consider this a check on the lender. Using the example of Ohio again, Buckeye state residents have a full year to buy their house back - and they can live in the residence the entire time.

? An uncontested foreclosure without bankruptcy proceedings can take as little as 60 days. If you want to stop foreclosure in Texas, you've got to act fast.

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