October 6 first Tuesday: Texas starts and Houston REOs
This is an educational site. We are not a law firm, not a HUD counselor, and we do not represent you with your lender or in court. Free help is listed under Who to call. Figures below are from public ATTOM reports, not from your file.
The October 6, 2026 trustee sale day has passed. It was a Tuesday, 10 a.m. to 4 p.m., and it was not a January 1 or July 4 shift. The next Texas trustee sale day is Tuesday, November 3, 2026, 10 a.m. to 4 p.m. The county on your notice is the one that matters — not the mailing city.
What the July 2026 ATTOM report actually says for Texas
ATTOM released its July 2026 U.S. Foreclosure Market Report on August 27, 2026. The useful part for a Houston-area homeowner is not the national headline.
- Texas had the most foreclosure starts of any state in July: 3,306.
- Houston had the most completed bank take-backs (REOs) among major metros ATTOM listed (MSAs over 200,000 people): 405. Dallas was next at 223. Texas overall had 1,265 REOs, also first among states.
- Texas also sits in ATTOM’s high-rate group (one filing per 2,653 housing units in July), but that is a rate, not a prediction for your loan.
Source: ATTOM, July 2026 U.S. Foreclosure Market Report (PR Newswire, Aug. 27, 2026).
Why the clock is short here
ATTOM’s mid-year 2026 report put Texas at 155 days average to complete a foreclosure in the second quarter of 2026 — about five months, and the shortest state average in that table. New York was over 2,000 days. A posted 21-day notice of sale can make “I am behind” become “the sale is the first Tuesday” in a few weeks.
Source: ATTOM, Mid-Year 2026 U.S. Foreclosure Market Report (PR Newswire, July 16, 2026). That 155-day figure is a statewide average for completed files, not a promise for your case.
If October 6 is on your notice
- Copy the sale date and the street address off the paper. Confirm it on Counties.
- Call the number on your mortgage statement and ask for loss mitigation.
- Call a HUD-approved counselor the same day. Numbers: Who to call (Avenue CDC, Tejano Center, Fifth Ward CRC, HOPE 1-888-995-HOPE, Lone Star Legal Aid).
- Ignore anyone who wants a large fee up front or a deed signed this week.
Related: How long foreclosure takes in Texas · County sale locations · Notice of trustee sale.
Rewritten September 3, 2026, from the August 27 Houston brief on ATTOM’s July 2026 report. Figures are from ATTOM’s July and mid-year 2026 public reports.