Lis Pendens in Texas: What It Means and What to Do Next
If you’ve received notice of a lis pendens filing on your property — or if you’ve seen it appear in a public records search — this page will explain exactly what it means, what the timeline looks like in Texas, and what your options are right now.
This information is educational. For advice specific to your situation, contact Bexley Realty Group for a free, confidential consultation.
Understanding Lis Pendens in Texas: A Guide for Homeowners
- What does “Lis Pendens” mean?
- Lis pendens is a Latin term meaning “suit pending.” It is a formal legal notice that a lawsuit has been filed involving a specific property. In the context of real estate, a lis pendens is most commonly filed by a lender when a homeowner has fallen behind on mortgage payments and the lender has initiated foreclosure proceedings.
- Why does it matter?
- A lis pendens is recorded in the public property records and attached to the title of your home. This means: buyers cannot purchase the property without the cloud on title being resolved; refinancing becomes nearly impossible; and the legal clock has officially started on the foreclosure process.
- Is a Lis Pendens the same as foreclosure?
- No — and this is the most important thing to understand. A lis pendens is a WARNING, not a completion. It means a lawsuit has been FILED, not decided. You still have time. Homeowners who act quickly after a lis pendens filing often protect their equity entirely.
Texas Foreclosure Timeline
Texas is a non-judicial foreclosure state, which means lenders can foreclose WITHOUT going through the court system. This makes the Texas timeline faster than many other states.
Day 1 — Miss Payment
Payment is missed. A late fee is charged. No legal action yet — but this is when to call Bexley.
Day 30–90 — Notice of Default
Lender sends formal written notice of default. You have a narrow window to catch up or create a plan.
Day 90–120 — Lis Pendens Filed
The lis pendens is recorded against your property. The foreclosure suit is now in motion. PUBLIC RECORD.
Day 120–150 — Notice of Foreclosure Sale
Lender posts notice of the foreclosure sale date at the county courthouse and in local newspaper.
Day 150–180 — Foreclosure Auction
Property sells at public auction on the first Tuesday of the month. Equity is lost. Eviction can follow.
THE BOTTOM LINE:
The earlier you contact Bexley Realty Group, the more options you have. Homeowners who call us at Day 1 have the most choices. Homeowners who call at Day 140 have very few. Don’t wait.
Ready to Discuss Your Options?
Contact us for a free, confidential consultation.