Facing foreclosure
Behind on payments? We may be able to close before foreclosure.
If you're behind on your mortgage and worried about foreclosure, time matters. We move quickly, often closing in a couple of weeks, so you can pay off what's owed and keep a foreclosure off your record.
Speed matters most
We can often move as fast as your lender's timeline requires. Tell us your sale date and we'll be honest about whether it works.
No fees eating into your money
No agent commissions and we cover standard closing costs, so more of the sale goes toward what you owe.
No judgment
We talk with people in this spot all the time. Our goal is a clean way out for you.
If you're behind on your mortgage
Falling behind happens. A job loss, medical bills, or a divorce can do it. Once the bank starts foreclosure, the clock starts too, and the longer you wait, the fewer options you have. Selling before the sale date can be easier on your credit than letting it go through, and if the house is worth more than you owe, you keep the difference.
We're not lawyers, so we can't give legal advice, and it's worth talking to a housing counselor or an attorney about your options. What we can do is look at your house, tell you what we'd pay, and tell you honestly whether we can close before your deadline. If we can't help, we'll say so.
Use the form on this page to get started. The sooner we hear from you, the more room we have to work with.
Lenders are required to work with you on alternatives before foreclosure completes, and a housing counselor approved by HUD can walk you through those for free. If a straightforward sale still looks like the best option after that conversation, we're ready when you are.
If your house has multiple liens, a second mortgage, or is already scheduled for a sale date, tell us that upfront. It doesn't rule out an offer, but it does affect how quickly things need to move, and we'd rather know early than find out during closing.
Common questions
How fast can you close?
Sometimes in about two weeks. It depends on your lender, the title work, and your sale date. Tell us the date and we'll be upfront about whether it works.
Will I get anything from the sale?
If the house is worth more than you owe, the difference is yours after the loan and closing costs are paid. We'll show you the numbers before you agree to anything.
Does selling hurt my credit?
A regular sale that pays off the loan is generally much easier on your credit than a completed foreclosure. Ask your lender or a housing counselor how it applies to you.
What if I owe more than the house is worth?
That's a harder situation. Talk to your lender or a housing counselor first. We can still look at the house and tell you what we'd pay, but we can't promise a deal in that case.
Do you charge anything to look at my situation?
No. There's no cost or obligation to ask for an offer, whether or not you end up selling to us.