Our Services

Forbearance

Temporarily pause your mortgage payments while you recover financially.

A forbearance agreement allows you to work with your lender to pause or reduce your payments for a limited time. This is a great option if you're experiencing a temporary hardship, such as a job loss or unexpected expenses, but expect your financial situation to improve soon.

✔️ Helps you stay in your home

✔️ Prevents foreclosure while you stabilize your income

✔️ Gives you time to create a financial recovery plan

FREE | Immediate

Price and timeline

Sell Your Home Quickly

Avoid foreclosure and put money back in your pocket with no showings or agent commissions.

If staying in your home is no longer the best option, selling quickly can provide a fresh start. We help you sell your home as-is, meaning no showings, no agent commissions, no repairs, no stress, and no fees. You can use the proceeds to pay off your mortgage and walk away with financial relief.

✔️ No out-of-pocket costs

✔️ Sell your home fast, in as little as 7 days

✔️ No home showings, repairs, or agent commissions

FREE | 7-14 Days

Price and timeline

Loan Modification

Lower your monthly payments by adjusting your mortgage terms.

A loan modification restructures your mortgage, making payments more manageable by adjusting the loan term, interest rate, or balance. If your financial hardship is long-term but you want to stay in your home, this could be the right solution.

✔️ Stay in your home with a lower monthly payment

✔️ Work directly with your lender to modify loan terms

✔️ Avoid foreclosure without selling your home

FREE | 3-6 Months

Price and timeline

Reinstatement

Restore your mortgage by making a lump sum payment.

If you've fallen behind on payments but have the financial means to catch up, reinstatement allows you to bring your loan current by paying off the overdue amount, plus any late fees and penalties.

❗ Requires a large lump sum

❗ Can be a challenge if funds are limited

✔️ Keeps you in your home and removes foreclosure risk

COST | Immediate

Price and timeline

Payoff

Completely pay off your mortgage to remove the debt.

This option involves paying the entire remaining balance on your loan. While this immediately resolves foreclosure risk, it typically requires a significant financial investment upfront.

❗ Requires full repayment of mortgage balance

❗ Not feasible for most homeowners in financial distress

✔️ Provides total financial freedom from the mortgage

COST | Immediate

Price and timeline

File Bankruptcy

A legal option for managing overwhelming debt.

Bankruptcy (Chapter 7 or Chapter 13) may help delay foreclosure and restructure your debts, but it comes with serious financial consequences. If you're considering this option, it's important to consult with an attorney to understand the long-term impact on your credit and financial future.

❗ Can damage your credit for years

❗ May not eliminate all financial obligations

✔️ Can provide temporary relief from foreclosure proceedings

COST | 3-6 Months

Price and timeline

Foreclosure

The worst option—foreclosure can be avoided.

If no action is taken, your lender will repossess your home, sell it at auction, and report the foreclosure to credit agencies—negatively affecting your ability to buy a home in the future.

🚨 We strongly encourage homeowners to explore other options before foreclosure. 🚨

✔️ Avoid foreclosure at all costs. Reach out to us to discuss alternatives!

COST | 3-6 Months

Price and timeline