Notice of Default (NOD)

A Notice of Default (NOD) is a public filing recorded in the county property records that formally notifies a borrower — and the public — that the borrower has defaulted on their mortgage obligation and the lender intends to accelerate the loan and proceed with foreclosure if the default is not cured. In Texas, the NOD triggers the statutory cure period and initiates the foreclosure timeline.

Texas Context

Under Texas law, a lender must send written notice of default to the borrower by certified mail at least 20 days before filing a notice of substitute trustee sale. After the cure period expires without resolution, the lender records the notice of sale and the 21-day posting period begins before the First Tuesday auction. Foreclosures Now detects NOD filings within minutes of recording — giving investors the full cure window to approach the homeowner.