Situations We Help With

Behind on Payments

Falling behind on a mortgage is more common than most people realise, and there are usually more options open than it feels like from the inside.

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What this usually looks like

Missed payments generally move through late notices, then default, then a formal foreclosure process. In Minnesota that process takes time and there are points along the way where things can still change. The worst outcome is usually the one where nobody opens the mail.

The options people generally weigh

Talk to your lender — reinstatement, forbearance and loan modification all exist and are worth asking about first.
Speak with a HUD-approved housing counsellor, which is free.
Sell before the process runs its course, so any remaining equity stays yours instead of being consumed by fees.

How a direct sale may help

If selling turns out to be the right move, we can work to a date that lines up with what your lender needs, and we buy without requiring repairs or showings while you are still living there. We will also tell you plainly if we think talking to your lender first is the better first step.

What we cannot promise

We cannot stop a foreclosure, negotiate with your lender on your behalf, or promise any particular outcome.
We cannot advise you on bankruptcy or credit consequences — that is a job for an attorney or a housing counsellor.
We cannot always offer more than what is owed. If the loan balance exceeds what the house is worth, we will say so.