Second Chance Program week one: What Houston owners expect
If foreclosure is on the table in the Houston area, the first week after you ask for help can feel tense and confusing.
You know there are letters, dates, and decisions that matter, but it is not always clear where to start or who to trust.
At Amroc Homes, our Second Chance Program is built for homeowners in Texas who are facing foreclosure and need a clear plan, not pressure. In this post, we walk you step by step through what typically happens in week one after you reach out.
If you are already in trouble with payments in the Houston metro and want to talk to a real person, you can call us at 832-500-8246 or request a time through our Second Chance Program calendar.
A quick look at your first week in the Second Chance Program
Here is the big picture of week one with us:
Day 1: Short call so we understand your situation and sale date.
Days 2–3: We review your letters and mortgage statement and confirm where you are in the Texas foreclosure timeline.
Days 3–5: We outline your real options based on your goals and deadlines.
Days 5–7: You start taking action on a clear plan, with us staying in touch.
Every case is different, but the structure is similar.
The goal in week one is simple: stop guessing, understand your timeline, and choose a direction.
Before week one starts: where you are in the Texas foreclosure timeline
Most Texas home loans follow a similar pattern:
Your regular payment is due on the first of the month. If it is not paid, it becomes delinquent.
Many lenders charge a late fee after a short grace period, often after day fifteen, and start sending reminder letters and phone calls.
If payments stay behind, the lender sends a Notice of Default or demand letter that usually gives at least 20 days to catch up.
If the default is not cured, they send a Notice of Sale with the auction date, which has to be at least 21 days before the sale. That sale is usually set for the first Tuesday of the month at the county courthouse.
That timeline is tight, especially once the Notice of Sale has been posted. Week one of the Second Chance Program is about knowing exactly:
Which letters you have
What your real sale date is
How many days we have to work with
Nothing in this article is legal advice. If you need one-on-one guidance, consider talking with a HUD approved housing counselor or another qualified professional who can review your specific situation.
Day 1: your first Second Chance Program call
This usually starts with you filling out a short form or calling us after seeing our Second Chance Program on the site. Once you reach out, we schedule a quick call, often within 24 hours, or the same day if the sale date is close.
What we cover in about fifteen minutes
In most cases, your first call covers:
Your situation and your goals, so we can start finding the best path together
Your property address and which Texas county you are in
How many payments have you missed and when you last paid
Which letters you have received: demand letters, Notice of Default, Notice of Sale
The sale date shown on your Notice of Sale, if one has been posted
Your main goal:
Keep the home if possible
Exit the home with the least damage
Or explore both and decide after you see the numbers
We also explain what the Second Chance Program is and is not.
It is not a legal service, a loan, or a promise that foreclosure will stop.
It is a structured way to understand your options, move toward a solution, and avoid common mistakes.
What you should have ready
To get the most from that first call, it helps if you can:
Have your most recent mortgage statement nearby
Gather recent letters from your lender or trustee, especially anything mentioning default or sale
Know your rough income and key monthly expenses
Have a pen and paper ready to write dates and action items
If you do not have everything handy, it is fine. We will still talk and then give you a simple checklist for after the call.
Days 2–3: document review and deadline check
Once we know your basic timeline, we ask you to send clear photos or scans of your key documents. That usually includes:
The key letters we look for
Your latest mortgage statement
The most recent Notice of Default or demand letter, if any
The Notice of Sale, if the auction has already been scheduled
Any letters mentioning loss mitigation, loan modification, or payment plans
We are looking for:
Exact dates
The legal language that tells us which step of the process you are in
Any deadlines for responses or payments
How we double check your sale date
Texas has specific rules about how much notice you get before a foreclosure sale and when sales can be held. Foreclosure sales are held on the first Tuesday of the month during a set time window at the courthouse.
During days 2 and 3 we:
Confirm the sale date on your Notice of Sale
Note any response deadlines before that
Estimate how many business days we actually have to work with
If something in your paperwork is unclear, we will tell you that and suggest that you talk with a HUD approved housing counselor or another qualified professional so you can get extra guidance and support.
Days 3–5: mapping out real options for your home
Once we understand your numbers and deadlines, we start mapping real options. The right path depends on your income, your loan, your equity, and how close you are to the auction date.
If keeping the home might be possible
In some cases, homeowners may still be able to stay in the home by:
Catching up the past due amount in a lump sum
Working with the lender on a payment plan or loan modification
Seeing if they qualify for Texas foreclosure prevention programs or other mortgage assistance.
We cannot apply for these programs for you, but in the Second Chance Program we can help you:
Understand which questions to ask your lender
Prepare a simple hardship story and basic budget
Decide which calls you need to make and in what order
We may also suggest you reach out directly to:
A HUD approved housing counselor, who can often help you for free or at low cost
Local nonprofit or community foreclosure prevention resources in your area
If selling might be the better path
In other cases, the math or the deadlines make it safer to focus on selling before the foreclosure sale instead of trying to keep the home.
If that is where the numbers point, we talk about options like:
Listing with an agent if there is enough time and equity
Selling to a local buyer for a faster close if deadlines are tight
How Amroc Homes can step in as a direct buyer if that fits your goals and the situation
We walk through:
Your estimated as is value
How much is owed, including past due payments and fees
Rough net proceeds under different scenarios
What happens if the home goes to sale and is sold at auction
You stay in control. Our job in week one is to give you a clear picture so you can decide what happens next, not the bank and not the court…you do.
Days 5–7: putting your action plan into motion
By this point, you should have:
A simple written timeline with key dates
A short list of actions for the next one to three weeks
A sense of whether you are focused on keeping or selling the home
In days 5 to 7, we help you start moving by:
Reviewing the call script you will use with your lender, if needed
Making sure you know which documents to send first
Laying out what to expect from us if selling directly to Amroc Homes is on the table
Setting a check in time so you are not trying to figure this out alone
You are never required to sell to us. The Second Chance Program is designed to give you information, structure, and options without upfront fees or pressure.
How to get the most from week one of the Second Chance Program
A strong first week can make the rest of the process much less stressful. Here are simple ways to get the most from it:
Answer the phone and messages. If we are working on a tight deadline, missed calls can cost days you do not have.
Gather your letters in one place. Put every mortgage and foreclosure related letter in a single folder so no dates are missed.
Be honest about your income and budget. It is easier to build a plan around real numbers than hope.
Write down questions as they come up. Bring them to the next call so you leave with answers, not new worries.
Get outside support when needed. A HUD approved housing counselor, or other qualified professional can give guidance that we cannot.
Disclaimer
This article is for education only and is not legal, financial, or tax advice. Laws and programs can change. Always confirm details with qualified professionals.
Week one Second Chance Program FAQs
Q:Do you charge anything during week one?
A: No. The Second Chance Program is designed so that your initial calls, document review, and week one planning come at no upfront cost to you. If you later choose to sell your home to us, we earn our profit from the purchase, not from charging you fees for the conversations.
Q: Can you guarantee you will stop my foreclosure?
A: No one can honestly guarantee that. There are real limits around Texas foreclosure timelines, lender decisions, and how fast things move.
What we can do in week one is:
Help you clearly see where you are in the process
Make sure you understand your options
Move quickly on a plan that fits your goals and deadlines
You always remain in control of the final decisions.
Q: Do I still need outside help beyond the Second Chance Program?
A: In many cases, yes. The Second Chance Program is not a law firm and does not replace legal advice or foreclosure counseling. For some Houston homeowners, the mix can be:
Work with us for timeline clarity and option mapping
Contact a HUD approved housing counselor for extra help working with your lender and applying for programs, where available.
You can also reach out to other qualified professionals, if you want one on one guidance about your specific situation
Next step if you need foreclosure help in Houston now
If you are in or near foreclosure in the Houston area, you do not have to figure this out on your own.
You can:
Call Amroc Homes at 832-500-8246 and ask about the Second Chance Program, or visit our Second Chance Program Calendar to request a time that works for you
Explore more articles in our Amroc Insights foreclosure help section to better understand the Texas foreclosure timeline
Week one is about getting clear, taking back some control, and making a plan that fits your life, not your lender’s pace.
