Behind on the mortgage and thinking about selling?

We buy houses by bringing the existing loan current and paying the owner cash for their equity at closing. No listing, no commissions, no repairs.

How it works, in four steps

You call. We ask about the house and the loan, and you authorize the trustee or servicer to tell us the exact amount needed to catch the loan up.
We make a written offer: what we pay to bring the loan current, and what we pay you in cash.
A licensed title and escrow company handles the closing. We pay the closing costs.
From closing on we make the mortgage payments through a third-party loan servicing company, and you can see proof of every payment.

What you should know up front

Your loan stays in your name. We take title to the house "subject to" the existing mortgage. We explain in writing what that means before you sign anything.
It is not right for everyone. If you have a lot of equity and enough time, listing with an agent will often put more money in your pocket. We will tell you when that is the case.
Get independent advice. Talk to a HUD-approved housing counselor (888-995-4673, free) or an attorney before you decide.