Behind on payments? You may have more options than you think.
Falling behind on a mortgage is stressful, and the notices don't make it easier. The earlier you act, the more choices you keep. Selling is one of them, and it can protect equity you've built.
✓ Sell before the foreclosure sale date
✓ Keep the equity you've built
✓ Honest advice, even if selling isn't your best option
Get your cash offer
How foreclosure works in North Carolina
Most North Carolina foreclosures go through a hearing before the Clerk of Superior Court. If the clerk allows the sale, it's scheduled and advertised, and after the sale there is a 10-day upset bid period during which higher bids can be placed.
Up until the sale is final, the homeowner can often still sell the house, pay off the loan at closing, and keep whatever equity is left over.
Selling before the sale date
If your home has equity, a sale can pay the lender in full and put the remainder in your pocket rather than losing it at auction. A foreclosure can also stay on your credit report for years, which a completed sale may help you avoid.
We can move quickly when a date is close. The closing attorney will request a payoff from your lender, including missed payments and fees, so you know exactly where you stand.
Other options worth asking about
Selling isn't right for everyone. Depending on your situation, your lender may offer a repayment plan, forbearance, or loan modification. A HUD-approved housing counselor can walk you through those options at no cost, and a real estate attorney can advise on your rights. We'll tell you plainly if another path looks better for you.
How it works
1
Tell us about the house
Fill out the short form or call us. We'll ask a few questions about the property and your timeline. No obligation.
2
Get a written cash offer
We walk the property once and give you a clear offer in writing. No fees taken out, no repair requests.
3
Close when you're ready
We close with a local real estate attorney on the date you choose. Leave behind anything you don't want.
What sellers say
★★★★★
"Hands down, the easiest transaction I've ever been a part of. No inspection or appraisal, plus a two week close."
Holly Chavis, Google review
★★★★★
"I was in Atlanta and my sister in Dallas, and the long distance was never an issue due to how responsive and easy they were."
William, sold an inherited home
★★★★★
"They were responsive and acted in good faith. Joe and his team won me over by their honesty and integrity."
Mary Abel, Google review