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Facing Foreclosure? We can help.
 

We hate high-pressure sales tactics, so we don't use them.

 

It makes you uncomfortable and us too. We won’t ever try to sell you on anything, guaranteed. We will walk you through all your options and let you decide what is best for you. All of this at no cost to you.

 

We believe in helping others out of bad situations with true Southern hospitality the size of Texas.

 

If you want to work with us after that, then we are happy to help. We deal with these situations regularly and know how to handle every situation like the back of our hand. If you don’t want to that’s fine too!

 

That being said, we are not for everyone and that is okay! If you meet with us to discuss your options and decide that you want to resolve this yourself, then we can give you some great resources and guides to try that. No hard feelings!

 

If you do want to work with us, here's what you can expect.

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  • We have a team of attorneys, realtors, financial coaches, and foreclosure counselors. 

We don’t just want to get you out of this situation and then leave you. We want you to be set up for success and avoid these issues in the future. 

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  • We can stop your foreclosure (100% of the time!)

Our team of attorneys can stop the foreclosure and give you a few extra months to get things sorted out.

 

  • We can help you work things out with your mortgage company. 

Our team can work out a loan modification or other strategy to get the mortgage company off your back.

 

  • We can help reinstate your loan

Let us get you caught up on your back payments

 

  • We can help you list your home for sale

If you want to list your property with a Realtor, we have a licensed, in-house team that specializes in foreclosure listings

 

  • We can partner with you to renovate your home and sell it for top dollar

Through our partnership flip, we will renovate your home at our expense and get it sold at top dollar for you. Then we split the profits with you!

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  • We can help you find a new home

Whether that be finding a rental home, paying for your movers, or allowing you to stay in your current home for some time, we have your back

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  • We buy houses

We can give you a no-obligation, cash offer without having to deal with the cons of listing a home with a Realtor

PROS & CONS

Loan Modification

This is an agreement between you and the lender to change the terms of your loan. Typically this includes adding the unpaid balances to your loan balance to pay that off over time.

  • Pros:

    • Avoid Foreclosure

    • The unpaid amounts get added to the loan balance typically

    • Get to stay in home if approved

  • Cons: 

    • Eligibility depends on if bank approves you for this

    • Monthly payment may change

    • It will take longer to pay off the home and you will pay more interest

    • Doesn’t solve the cause of cash flow problems


Short Sale

This is an agreement between you and the lender to sell the home for less than the balance on the mortgage loan.

  • Pros:

    • Avoid Foreclosure

    • You won’t owe anything after the sale

    • Can be used if you have little to no equity

  • Cons:

    • Can be a complicated process

    • This will affect your credit (but less than a foreclosure)

    • Not all Realtors handle short sales

 

List for Sale with a Realtor

This is the standard way most homes are sold in the United States where a Realtor will list the home for sale and work to find a buyer.

  • Pros:

    • Potentially receive top retail dollar for the home

    • Can be used together with other strategies as a potential option

    • Fees and closing costs must be paid

  • Cons:

    • Can take several months to find a buyer and go through the closing process

    • Typically won’t close in time to avoid foreclosure

    • People will be in and out of your house for showings

 

Cash Sale

This is an alternative to selling with a Realtor that is typically used when there is a need to sell the home quickly or if the home needs significant repairs. Most buyers will only be investors.

  • Pros: 

    • Avoid Foreclosure

    • Quick closing and no showings to potential buyers

    • Flexible closing timeline

    • Little fees

  • Cons:

    • Usually not possible if you have no equity in the home

    • Cash offers may be lower than other offers

 

Partnership Flip

This is a unique opportunity we offer. We would establish a fair current price for your home, then we will renovate the home using our money, then we will list the home for sale with our Realtor to get top dollar for your home. You will receive the agreed upon price of the home PLUS a percentage of the profits made on top of that.

  • Pros:

    • Avoid Foreclosure

    • Share in the profits of a fully remodeled home

  • Cons: 

    • Can take some time

    • Typically only works if you have equity in the home and it is in need of repair

 

TRO (Temporary Restraining Order)

A temporary restraining order (TRO) stops the foreclosure of a home, temporarily. This can last 30, 60, or 90 days depending on the situation.

  • Pros:

    • Temporarily stop your foreclosure for a few months typically

  • Cons:

    • Does not stop the foreclosure permanently

    • A lawyer will charge several thousand dollars for this service

 

Subject-To Sale

This is a type of real estate purchase in which the buyer takes over the payments on an existing mortgage instead of getting a new mortgage. The buyer owns the home but the mortgage stays in the seller’s name.

  • Pros:

    • Avoid Foreclosure

    • Buyer usually pays the past due balance to bring the loan current

  • Cons:

    • Loan is still in your name

    • Any missed payments from the buyer could impact your credit

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