We want to understand your story and how we can help

 Unlike other pushy sales investors, we will not only buy your house, we will also offer you incentives. 

PRO:   Most Investors wanting to buy your house promise quick cash and get out tomorrow please.  They don't care where you go as long as it's fast.  We actually pay off your entire mortgage (if you meet certain criteria) which saves your credit and future potential to buy another house. If you qualify, we also give you cash to get a fresh start and give you time to pack up and find a new place to live.   Heck, we even provide a truck and 2 guys if you need it and qualify for a local move. There are some agreements you must make like committing in writing to a move out date before we close on the sale and a few more details.  

CON:                                                                   

We can't really think of any except the reality that you are going to have to move to a new home.... we just make it easier.

 Through the short sale process, you come to an agreement with your lender to sell your property for less than the balance on the mortgage, an arrangement that can help avoid foreclosure. 

PRO:  With a short sale you get to sell your house and pay off a lower mortgage balance to your lender with the proceeds of the sale.  With a loan modification you get to keep your house and most likely lose some equity and pay larger payments to catch up or add many many more years to pay it off.

CON:  Short sales and loan modifications drag out forever and that's what you don't have... TIME.   If you don't find a buyer during a short sale or are denied the loan modification and you don't meet the foreclosure deadline, you end up losing your home anyways.  Your lender approving the short sale will usually conduct a dragged out detailed valuation to accept an offer and some lenders only review one offer within a certain timeframe.   A lot of the time both short sales and loan modifications are rejected.  Usually for loan modifications you can't prove adequate income to your lender. There can be other reasons such as the length of time you defaulted, inability to make the ‘catch up’ payments or simply that the bank will make more money by foreclosing than by helping you.  For short sales there is also little room to negotiate,  your lender negotiates the sale and a deficiency judgement is sometimes filed against you for what you never paid back.

Bankruptcy is a legal process that can help you if you can't pay your mortgage and get a fresh start. You sell assets to pay  your debts or create a repayment plan. 

PRO:   Filing for bankruptcy is the best strategy to immediately stop a foreclosure sale, if it is set to occur within the following day or two. When you declare bankruptcy, an “automatic stay” takes effect.  

CON:                                                                   

• Chapter 7 can delay foreclosure temporarily, but nothing more AND you are still ordered to sell your home fast. If you want to delay foreclosure by a few months but are still forced to sell your house through court, filing for Chapter 7 is an option.
• Chapter 13 can save your home from foreclosure but can you really afford the hefty new payments? If you want to keep your home, consider filing for Chapter 13. People who can afford a hefty monthly Chapter 13 payment can catch up on late payments and keep their homes.