Skip the repairs, the showings, and the stress. We buy houses in any condition using real-time local comps.
Four dates decide everything. Most homeowners only learn about the fourth one after it's passed — and it's the one that still leaves room to act.
Usually around 120 days late. The servicer accelerates the loan. Nothing is filed yet and almost everything is still reversible.
Filed with the Clerk of Court in your county and mailed to you. This is public — it's the day every investor in the state gets your address.
The clerk authorizes the sale and a date is set at the courthouse steps. Reinstatement still stops it right up to the morning of.
North Carolina gives ten days after the auction for anyone to raise the bid. The sale isn't final. Almost nobody tells homeowners this.
Four of these keep you in the house. We explain all five before we ever mention a number, because we'd rather be the people who told you the truth.
Pay the back-owed amount in one payment and the sale stops. We calculate the exact cure figure, including the attorney fees the servicer usually leaves out.
Permanently changes your terms so the payment is affordable. Most denials are paperwork errors, not real rejections. We assemble the package with you.
Filing halts the sale immediately and lets you catch up over three to five years. We'll tell you when this is the strongest move and refer you to an NC attorney.
Free, government-funded counselors who can call your lender directly. We'll hand you the name and number of the closest one, at no benefit to us.
If the numbers don't support keeping it, selling on your terms protects the equity an auction would erase. This is the one where we might be the buyer.
Send us the address. We'll pull the county filing, read the dates, and tell you which doors are still open — in one call, at no cost.
No instant algorithm. We price off recent sales within a mile of you, the condition we see in person, and the payoff figure from your servicer — and we show you all three.
We'll reach out within one business day with what we find. No obligation, no cost.
If something's missing here, that's what "Talk to us" is for — Mikey answers directly, not a call center.
Yes. Repairs, cleanouts, tenants, code violations — none of it needs to happen before you sell. We buy the property in its current condition and handle the rest ourselves.
No. There's no agent commission, no closing costs charged to you, and no obligation to accept our offer. If you don't like it, walk away — the guidance is still free.
Yes — that's a lot of who we work with. We'll read your county's filing with you, explain which of your five options are still open, and only talk about buying if selling turns out to be the right move.
As fast as the county can record the deed — we've closed in as little as 7 days when a sale date is close. If you're not in a rush, we can work on your timeline instead.
Most of it can be handled remotely — we walk properties by video when needed and regularly work with heirs and out-of-state owners on homes they haven't seen in person.
We pull the public county filing and recent comparable sales, then a real person — Mikey, not a call center — reaches out within one business day with what we found and what your options look like.