Most of our purchases are cash sales, and while that means you might sell at a discounted price, the convenience factor can be well worth it. With a cash sale, you can close in weeks, sell the home as-is, and even leave behind anything you don’t want to take with you—no cleaning, no repairs, no hassle. Plus, there are no inspections to worry about, so once we agree on a price and closing date, that’s it—no surprises. The price you’re quoted is exactly what you’ll get, and we even cover the typical seller’s closing costs. It really doesn’t get any easier!

If you're staying on top of your mortgage payments and want to attract the most buyers, selling on the open market might be your best bet. The downside? Realtor commissions, which can take a chunk out of your profits. But you don’t have to navigate it alone—we can connect you with a trusted local agent who can help you list your home and get the best possible deal.

Selling your home For Sale By Owner (FSBO) can mean keeping more money in your pocket—but it’s not for the faint of heart. First, you’ll need to figure out how to get your home in front of as many buyers as possible. Then comes the challenge of scheduling showings around their availability, which can be tricky if you have kids or pets. Once you get an offer, negotiating becomes key—you could end up getting out-negotiated and accepting less than you might have made with a Realtor. Plus, you’ll need to make sure your buyer is actually qualified for financing, so you don’t waste time with someone who can’t secure a mortgage. And keep in mind—buyers looking at FSBO listings know you’re saving on agent commissions, so they’ll likely try to lowball you. The reality? Many homeowners start FSBO but end up listing with a Realtor after losing time and potential buyers. If you're considering this route, make sure you're fully prepared for the process!

Do you own your home free and clear with no mortgage? If so, seller financing could be a great option! Instead of a traditional cash sale, we can offer you a higher price and set up a payment plan that provides you with steady income over time. Plus, there may be tax benefits to this approach—something worth discussing with your CPA. If you're open to creative solutions, we’d love to chat about how this could work for you!

Did you know a buyer can take over your existing mortgage instead of getting a brand-new loan? It’s called "subject to" (Sub-To), and it can be a win-win. The buyer skips all the expensive loan origination fees—saving thousands—which means they can often offer you a higher price. If you have equity in the home, we can also work out a way to compensate you, either with a lump sum or a second mortgage. This process can happen fast, making it a great option if you’re facing foreclosure or just need to sell quickly.

If you’re keeping up with your mortgage but your house needs a lot of work, novation could be a great option. Since a fixer-upper won’t sell for top dollar, renovating before selling can make a huge difference. But if you don’t have the time, money, or skills to take on the repairs, we’ve got you covered. With novation, you move out, we handle the renovations at our expense, and then sell the home in its updated condition. At closing, we split the profits based on a pre-agreed arrangement—meaning you walk away with more money than if you had sold it as-is.

If you're starting to struggle with mortgage payments, a loan modification might be worth looking into. It can help lower your monthly payments and ease your financial burden while protecting your credit. But fair warning—it takes a lot of patience since the paperwork can be overwhelming. Your first step is to contact your lender’s loss mitigation department and ask for the necessary forms. And while you’re at it, grab your last two years’ tax returns—you’ll need those too!

That said, most loan modification requests don’t get approved, so it’s important to have a backup plan. Don’t rely on this as your only option—explore Plan B so you’re ready to move forward if needed.

If you’re falling behind on mortgage payments and foreclosure is getting close, a sale and lease-back could be the solution you need. We may be able to buy your home, pay off your mortgage, and help protect your credit. Then, instead of having to move right away, you can lease the home back for a short period while you figure out your next steps. Every situation is different, so if this sounds like it could work for you, give us a call—we’ll walk you through the details and see if it’s a good fit.

If you’re struggling to sell your home because you owe more than it’s worth, a lease with an option to buy could be a smart solution. Instead of selling at a loss, you rent it out to a tenant who pays more than your mortgage payment, allowing you to move on to another home. Plus, if you can show you have a stable tenant, you may even be able to qualify for a new mortgage. Most tenants are willing to pay extra each month for the chance to buy the home later, and in the meantime, the property could appreciate to a value that matches—or even exceeds—your mortgage balance. The best part? Since they have the option to own it, tenants are more likely to take good care of the home. It’s a win-win for everyone!

If your house needs a lot of work, you’ve got two options. You can sell it as-is and take a lower price—investors love fixer-uppers because they know they can turn a profit. Or, you can put in the work yourself, bring the home up to today’s standards, and keep that profit for yourself! Of course, this route takes time, money, and some know-how, but if you’re up for the challenge, it’s the best way to maximize your return when you sell.

If you owe more on your home than what it’s currently worth, a short sale could be a way out. This means selling your home for less than what you owe, with your lender’s approval, to avoid foreclosure. We can help you find a buyer and walk you through the process of submitting the necessary paperwork—like tax returns and bank statements—to your lender. Short sales usually come into play after you’ve missed a couple of mortgage payments, and while you won’t walk away with cash in hand, you do get relief from the debt and avoid foreclosure. The sooner you start, the better your chances of a smooth process. Plus, we may even be able to help you find a new place to live. Just keep in mind that any forgiven debt might have tax implications, so it’s always a good idea to check with your attorney or CPA before moving forward.

house, and move on to your alternative housing, which we may be able to help you find. The sooner you start this process the better. Unfortunately, this doesn't put any money in your pocket, but it does relieve you of the liability and it avoids foreclosure. Please note that the amount "forgiven" by the bank may have tax consequences for you. You should check with your attorney and CPA before initiating the short sale.

Foreclosure is the worst-case scenario—it can wreck your credit for years, making it tough to buy another home, get a car loan, or even land certain jobs. On top of that, it’s public record, so friends, family, and even your neighbors could find out. But the good news? You have options. There are ways to avoid foreclosure and get back on track, and we’re here to help. Give us a call—we’ll walk you through the best solutions for your situation.