Powered by:
Adriana Perez
Texas Realtor®
TEXAS DISTRESSED HOMEOWNER RESOURCE
Do you have a sale date?
FIRST
Write down the exact date. Save the full notice and envelope. A verbal promise that a sale is delayed is not the same as written confirmation.
THEN
Call your mortgage servicer using a verified number.
NEXT
Call a HUD-approved housing counselor
800-569-4287.
FINALLY
Contact a Texas attorney immediately when a sale date, lawsuit, bankruptcy, title dispute, or scam is involved.
A PRACTICAL PROCESS
Replace uncertainty with four verified answers.
Know the deadline
Identify every notice, filing, and scheduled sale date. Confirm changes in writing.
Know the debt
Include first and junior loans, deferred balances, taxes, HOA, judgments, and financed improvements.
Know the value
Use a conservative as-is market analysis and realistic selling costs, not hope or tax value alone.
Choose a plan
Compare an affordable retention plan with a sale timeline before the available time shrinks.
WHICH SITUATION SOUNDS FAMILIAR?
Early action is useful even before a payment is missed.
_edited.jpg)
I received a trustee-sale or foreclosure notice.
Treat the date as urgent. Real estate marketing alone does not stop a sale.
_edited.jpg)
My payment increased or I used forbearance.
Escrow, insurance, rate changes, partial claims, and deferrals can change the amount owed.
A complete lien and cost review can show whether a normal sale or lender-approved short sale needs consideration.
I may need to sell, but I do not know whether I have equity.
Tell us only what we need to start the conversation.
CONSUMER NOTICE! A website form, including this one, is not a legal notice and does not stop a foreclosure. Call your servicer, a HUD counselor, and an attorney as appropriate.
DOWNLOADABLE GUIDES
Bring better questions to every conversation.
These resources help homeowners organize information. They do not replace the servicer’s forms, an attorney, tax advice, or a HUD-approved counselor.
This information is provided for general educational purposes only and is not legal, tax, engineering, septic, title, survey, or lending advice. Property-specific rules, access rights, flood risk, utility conditions, and land-use restrictions can vary by tract, county, city, ETJ, subdivision, groundwater district, and utility provider. Buyers should verify all material facts with the appropriate professionals and public authorities before entering into or closing on a transaction.
FREQUENTLY ASKED QUESTIONS
Clear answers to the questions many consumers ask first.
Does listing my home stop foreclosure?
No. A listing, purchase contract, or short-sale package does not automatically stop a sale. Ask the authorized servicer, trustee, court, or attorney for written confirmation of any postponement or cancellation.
What is a short sale?
It is a sale where expected proceeds are not enough to pay all secured obligations and approved costs. One or more creditors must agree in writing to release liens and permit closing under stated terms.
How do I know whether I have equity?
Start with a conservative as-is market value, then subtract every mortgage or lien, taxes, HOA, title and closing charges, commissions, concessions, repairs, and a timing buffer. Written payoffs and title work are more reliable than an online portal balance.
Can you modify my loan?
No. The Trochilidae Group provides real estate brokerage and sale guidance. Your mortgage servicer and a HUD-approved housing counselor can discuss loss-mitigation options; an attorney can advise on legal rights.
Will a short sale erase the remaining debt?
Not automatically. The approval letter may waive, reserve, settle, or otherwise address the remaining balance. A qualified attorney and tax professional should review deficiency and tax language.
THE BLOG
Insights on real estate, growth, Texas living, and what shapes our communities.
Lone Star Living is where real estate insight meets the bigger picture. Here you’ll find articles on housing, investing, community growth, Texas market trends, and the everyday decisions that shape how we live, build, and move forward.
WHY WORK WITH THE TROCHILIDAE GROUP
A smarter way to navigate real estate.
01
Clear Strategy
Every move starts with a plan tailored to your goals, timeline, and budget.
02
Local Insight
Make decisions with guidance informed by market knowledge and neighborhood awareness.
03
Personalized Support
Get one-on-one guidance, honest communication, and support through every step.
04
Confidence to Move Forward
Understand your options, avoid confusion, and take your next step with clarity.
CLIENT TRUST
A real estate experience built on trust, clarity, and personal guidance.
"
What stood out most was the level of care and communication. I never felt like just another transaction, and that made all the difference.
Hazel Wood • Houston
"
Cash deal, and a fast close. She was there every step. I recommend her to friends and family.
Emiliano Ramirez • Houston
"
Adriana was able to get me into the home I wanted quickly and without fuss. She answered all my questions while being open, honest, and strategic about my case.
Tammy Moten • Houston Area
ABOUT YOUR REALTOR®
SRS, MRP, RENE, C2EX, SFR
Adriana is a Texas REALTOR® serving Houston and the surrounding areas with a practical, informed approach to buying, selling, and investing. Her work combines local market knowledge, strong communication, and a data-minded perspective to help clients make clear, confident decisions.
Houston-rooted guidance with strategy, clarity, and a long-term view.
Powered by:
Adriana Perez
Texas REALTOR® serving Houston and surrounding areas with strategic guidance for buying, selling, and investing.
401 Franklin Street Suite 2400 - 128 Houston, TX 77002
409.927.0881