Behind on Mortgage Payments

Selling fast in Southern and Central California

You're Dealing With:

  • ! You've missed 1, 2, or 3 mortgage payments and the lender is escalating
  • ! You're using credit cards or savings to keep up and that's running out
  • ! The bank refuses to modify your loan or won't approve a short sale
  • ! You've tried listing the house but can't get a fast buyer
  • ! You don't want a foreclosure on your credit report for the next 7 years
  • ! You need cash to relocate or pay off other debts

How We Help

Most homeowners in this situation wait too long because they don’t realize how many options they have. Here’s how we help.

We close before the bank can foreclose. As long as you haven’t been served foreclosure papers, you have time. The longer you wait, the fewer options you have. We can typically close in 7 to 14 days.

We pay off your mortgage at closing. You don’t need to come up with money to bring your loan current. We pay the lender directly out of the sale proceeds, and you get whatever equity is left.

Even if you have little or no equity, we can help. We’ve structured creative solutions including short sales, subject-to purchases (where we take over the existing loan), and lease-purchase arrangements. Tell us your situation and we’ll find a path.

Your credit recovers faster. A foreclosure stays on your credit for 7 years and tanks your score by 100+ points. A clean sale preserves your credit and your ability to buy another home in 2-3 years instead of 7.

No more sleepless nights. The mortgage stress ends the day we close. You walk away with cash, a clean slate, and the ability to move forward.

We’ve worked with homeowners 1 month behind, 6 months behind, even those served with foreclosure papers. The sooner we talk, the more options you have.

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