Each bank has its own rules. Texas is fairly fast to get from default to foreclosure, but the banks don't necessarily want speed.
The minimum amount of time is about 65 days of delinquency. However, the big banks are so inundated with loans in default that would not be a reasonable estimate. Some homes have not had a single payment in 2 years and there is still no notice of sale (foreclosure).
In addtion to each bank having its own policies, territories are often divided up and managed by different people. Since some states take a year-plus to go from filing to foreclose to the actual proceeding, the loans in default are handled differently there. So, while Texas has the same laws, the banks are all different and the asset managers are, too.
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