What we do
Nine specialized programs. We start with a free consultation, walk you through every option that fits your situation, and never charge an upfront fee.
If you've fallen behind on payments, we help you understand every option before your lender forces a sale.
Best for
Homeowners 30–120 days behind who haven't received an auction date yet.
What's included
We negotiate with your lender to lower your interest rate, extend your term, or reduce your principal so you can afford to stay.
Best for
Homeowners with steady income who hit a temporary or permanent affordability gap.
What's included
Temporary financial hardship? We negotiate a pause or reduction in payments while you get back on your feet.
Best for
Job loss, medical event, or short-term disruption with a clear recovery path.
What's included
We explain how Chapter 7 and Chapter 13 affect your mortgage and timeline, and refer you to a trusted bankruptcy attorney when it's the right move.
Best for
Homeowners facing an imminent auction or carrying significant unsecured debt alongside the mortgage.
What's included
If staying isn't right for you, we negotiate with your lender to accept less than what's owed — and walk away clean.
Best for
Underwater homeowners who can't afford the mortgage and want to protect their credit.
What's included
Avoid a foreclosure on your record. We help you transfer the home back to the lender on agreed terms.
Best for
Homeowners who want a clean exit but can't get a short sale closed in time.
What's included
Want a traditional sale instead? We connect you with a top local agent who understands distressed-timeline listings.
Best for
Homeowners with real equity who'd rather list on the open market than negotiate with the lender.
What's included
Get a fair cash offer for your home — close fast, settle your debt, and keep living there as a renter if you need time to relocate.
Best for
Homeowners running out of time who need certainty of closing and don't want to move next week.
What's included
Protect the equity you've built from lowball investors, deed scams, and rushed sales. Learn more on our dedicated Equity Protection page.
Best for
Any homeowner with real equity who's being contacted by investors after a public foreclosure filing.
What's included
Whether you're selling, surrendering, or starting fresh — we coordinate every piece of your move so you leave with dignity, not a dumpster fire.
Best for
Homeowners who are exiting the property and need hands-on help getting out clean and on time.
What's included
Bankruptcy dismissed. Loan mod approved but payments went up. Foreclosure case expired and re-filed. We step in when Plan A didn't work — and find what does.
Best for
Homeowners who tried bankruptcy, forbearance, or a loan modification and ended up in the same spot or worse.
What's included
Behind on property taxes? A tax deed sale can strip your home faster than a mortgage foreclosure. We help you redeem the property, negotiate with the county, or recover what you're owed.
Best for
Homeowners who have received a notice of delinquent taxes, a tax certificate sale notice, or a tax deed filing.
What's included
If your home was sold at foreclosure or tax deed auction for more than you owed, the surplus belongs to you — not the investor who buys the claim. We help you recover every dollar.
Best for
Former homeowners whose property sold at auction for more than the outstanding debt, liens, and fees combined.
What's included
That's exactly what the free consultation is for. One 15-minute call and you'll have a written plan with the top two or three paths ranked for your specific case.
Talk to a specialist