Common questions

No. Most of the people we talk to do not sell to us, and that is fine. You can call, get your questions answered, and never hear from us again if that is what you want.

No. We are people just like you who happen to be investors. We've been through it, and we know what works. We buy houses directly, with our own funds, so there's no listing, no showings, no commission and no waiting on a buyer's loan. Our mission is to help as many people as we can take the next step.

The property address and a rough picture of what is happening: what you owe, any dates on the notices, and the condition of the house. You do not need paperwork for the first call.

A real person reads it and calls or texts within one business day. We talk through where you stand. If selling makes sense and you want a number, we give you a written offer, usually within a day or two, with no obligation to take it.

It depends on the state. Some run foreclosure through the courts, others through a trustee, but either way there are steps and dates, and they are on the paperwork. From the first notice to the sale is usually a few months. The sale date itself is the hard line. Call us and read us the letter, and we will tell you what stage you are at.

Often not. A sale can be stopped by paying what is owed, by the lender agreeing to a payoff from a buyer, or in some cases by other arrangements. Two weeks is tight but workable. Call rather than write.

A subject-to sale means we buy the house and take over the payments on your existing mortgage instead of paying it off at closing. It can stop a foreclosure fast and may protect your credit. It is not right for everyone, and we will explain the trade-offs plainly if it is on the table.

If we ever stopped paying, the agreement is secured by a deed and note enforced through the closing title company, which returns the property to you. Payments run through a third-party loan servicer, so you can see every one.

Usually yes, once the estate is opened and someone is named personal representative. Many families get stuck on that first step. We can walk you through what the probate court needs and work alongside the estate's attorney.

That is common. We have worked with families where the heirs live in different states and have different ideas. A clear, written offer often helps everyone decide. We can talk to each of you.

Leave it. We buy as-is and take care of the contents. You take what matters to you and we handle the rest.

If the taxes stay unpaid, the county can sell the property at a tax sale, and after a redemption period you can lose it for far less than it is worth. Paying the taxes stops it. If you cannot, selling before the sale usually leaves you with much more than letting it go.

Code violations add up and liens follow. We buy properties with open violations and settle them after closing. You do not need to fix anything first.

Often, yes. When a foreclosure or tax sale brings more than the debt and costs, the extra money, called surplus or excess funds, belongs to the former owner. It sits with the court or the county until someone claims it, and nobody is in a hurry to tell you. We check whether there is money waiting, and if there is, we help you claim it.

Nothing up front. If we help you recover money, our fee comes out of what is recovered, and we agree on it in writing before anything is filed. If there is nothing to recover, you owe nothing.

What the house would sell for repaired, minus the cost to repair it and our margin, plus whatever we can do to make the timing work for you. We show you the math. It will be less than a full retail sale after a renovation, and more than most people clear after agent fees, repairs and months of carrying costs.

No. We pay the normal closing costs. What you owe on the house comes out of the price at closing, and the rest is yours.

As fast as the title work allows, often within a week or two, or on a date months out if you need time. We can also let you stay in the house for a period after closing.

Tell us. Until closing, you can walk away. We would rather lose a deal than have someone sell under pressure.