Have Questions? We Have Answers.
Find answers to common questions about our services. Can't find what you're looking for? Contact us directly.
Foreclosure Helpline
How can you help me avoid foreclosure?
We help by reviewing your situation and presenting all available options. This may include negotiating with your lender for a loan modification, setting up a repayment plan, exploring forbearance options, facilitating a short sale, or helping you sell your home to pay off the mortgage. Every situation is unique, and we'll work with you to find the best solution.
Is it too late to get help if I've already received a foreclosure notice?
It's rarely too late to explore your options, but time is critical. The sooner you contact us, the more options you'll have available. Even if you've received a foreclosure notice, we may be able to help you stop the proceedings or find an alternative solution.
Do you charge for your foreclosure consultation?
No, our initial consultation is completely free and confidential. We'll discuss your situation and options at no cost to you. If we can help, we'll explain any costs associated with specific solutions upfront.
Will foreclosure hurt my credit?
Yes, foreclosure can significantly impact your credit score and remain on your credit report for up to 7 years. That's why we explore all alternatives that may have less impact on your credit, such as selling your home, loan modification, or deed in lieu of foreclosure.
Rent-to-Own Program
How does rent-to-own work?
With our rent-to-own program, you sign a lease agreement that includes an option to purchase the home at a predetermined price within a set timeframe (usually 1-3 years). You'll pay monthly rent plus an additional amount that goes toward your future down payment. At the end of the lease, you have the option—but not the obligation—to purchase the home.
What credit score do I need for rent-to-own?
We work with a range of credit scores, typically starting at 550 or above. However, we evaluate each application individually. If your score is lower, we may still be able to work with you depending on other factors like income stability and rental history.
What happens if I decide not to buy the home?
If you choose not to exercise your purchase option, you can simply move out at the end of your lease like a regular rental. However, you would typically forfeit the option fee and any rent credits that were set aside toward the purchase. We encourage all participants to be committed to eventual homeownership.
Can I make improvements to the property?
Minor improvements are generally welcome and can even increase the home's value for when you purchase. Major renovations typically require approval. Since you're working toward owning the home, we want you to feel comfortable making it your own within reasonable limits.
We Buy Houses
How fast can you close on my house?
We can close in as little as 7 days if needed, though 14-21 days is more common. We work on your timeline—if you need more time to move out, we can accommodate a longer closing period. You choose the closing date that works best for you.
Do I need to make repairs before selling?
No repairs are necessary. We buy houses in any condition—as-is. Whether your home needs minor cosmetic updates or major structural repairs, we'll make you a fair offer based on the current condition. Save your money and let us handle any needed repairs after purchase.
How do you determine your offer price?
We evaluate your home's current condition, location, and comparable sales in your area. Our offer takes into account the repairs we'll need to make and current market conditions. While our offer may be below full retail value, we save you money on repairs, realtor commissions, and closing costs.
Are there any fees or commissions?
No. When you sell to us, there are no realtor commissions (which typically run 5-6%), no closing costs, and no hidden fees. The offer we make is the amount you'll receive at closing, minus only your existing mortgage payoff if applicable.
What if my house has liens or back taxes?
We can still buy your house. Liens and back taxes will be paid from the sale proceeds at closing. We have experience working with properties that have various encumbrances and can help you navigate the process.
General Questions
How do I get started?
Simply contact us through our website or call us at (434) 515-2561. We'll have a brief conversation about your situation, answer any questions you have, and discuss the best options for your needs. There's no pressure and no obligation.
Is my information kept confidential?
Absolutely. All information you share with us is kept strictly confidential. We understand that financial and housing situations can be sensitive, and we treat every inquiry with discretion and respect.
What areas do you serve?
We primarily serve the greater metropolitan area and surrounding counties. If you're unsure whether we cover your area, please contact us—we may still be able to help or refer you to a trusted partner.
Still Have Questions?
Our team is here to help. Contact us today for a free, no-obligation consultation about your specific situation.