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They waited to the last minute to avoid foreclosure

The most dangerous mistake you can make if your house is falling into foreclosure is to delay.

One seller waited nearly too late to avoid foreclosure.

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What did this seller do to avoid foreclosure.

This particular person was loosing his inherited house to foreclosure.

The house needed nearly 20,000 in repairs and the seller had emotionally given up on it.

The seller found my “We Buy Houses” ad in the newspaper and gave me a call at 804/719-1489.    He got me on the phone instead of a office assistance.

His house was nearly 1 hour outside of Richmond Virginia.

We setup an appointment.

The Seller almost was too late to avoid foreclosure

The auction was in under a week.

I offered to take over the payments of the existing mortgage, and give him some of his equity.

It was enough for him to start over.

After signing the paperwork, we ordered title work on the house.

This is for our protection as a buyer and your protection as a seller.

It took about 48 hours for the title research to be done, since this house was out in the country.

A title surprise almost derailed it.

This is where we ran into a title surprise that almost cost him the whole deal.

The last minute surprise almost caused the seller to loose everything to foreclosure.

He was not the sole owner.

He had inherited the house from his mother, but only his mother’s half.

Other siblings inherited a portion of the mother’s share.

To make maters worse, a former stepfather that the siblings didn’t like still owned the other half the house.

All told, there were 4 people on the title, and only 3 of them sharing 1/2 of the house.

How the Sellers decided to avoid foreclosure

We had the family have a meeting at the house.  It was tense, it was tough, it was not an easy deal to assemble.

Siblings didn’t like the fact that an ex step father was on title.

Siblings didn’t like that their brother had been irresponsible and not made the mortgage payments.

No one liked that the portion of the equity we agreed to give to the seller was now divided into much smaller parts.

Their option was clear – everyone sign off, or loose the equity payment to auction.

Accept the cash in proportional share at closing by signing the agreement, or accept nothing because the house would go to auction.

Did I mention that the family meeting was the day BEFORE the foreclosure auction?

They signed and we bought their house

After we closed on their house, they got their various portions of their check, and we had a house to rehab.

We fixed it up with nearly 20,000 in repairs and then resold it.  That same house is now pictured here:

We help sellers avoid foreclosure

Act Now to Avoid Foreclosure

Learn from this seller.

You have to act now to avoid foreclosure in Virginia.  Don’t wait until the last minute.

Their last minute rush put them in a panic position when there was a surprise on the title work.

It is much easier to sell your house when it is not the last minute.

If you want our offer to help you avoid foreclosure (anywhere in Virginia), click here and see your options

I want to sell my house to Avoid Foreclosure in Virginia

If you want to sell your house to avoid foreclosure in Virginia, I want to give you some options.

Avoid Foreclosure in Virginia

I have talked with several individuals like you who have found themselves too far behind on their house payments to catch up.

I have also talked with people who are just beginning to fall behind in their mortgage payments because of a job loss, a medical bill, or some other life transition that has caused a financial crisis in their life.

No matter what the reason is for falling behind on your house payment, the next step is for you do something today.

Sell your house to us

We have been buying homes out of foreclosure since 2005.

We are professional homebuyers who can treat you with dignity and respect in a situation where you may not feel like you have gotten enough.

We have the attorneys who will handle the details of the transaction so that selling your house is as easy as possible.

We handle all the paperwork.

You simply need to move and be out of your house by the time you close when sell your house to us.

We desire to make this transaction as smooth as possible so it is one less headache for you to deal with.

Here are some of the options to sell your home to us:

1.  We restore your back payments and your credit with that lender as we cure the default and keep the payments current.

2.  We could help you with a short sale of your house, where the bank will accept a balance less than what is owned.

3.  We simply purchase the house for cash for the balance owed if it makes business sense for us to do so.

Those are the three ways to sell your house to avoid foreclosure in the state of Virginia.  You may have other options, but if you have already decided to sell, those are your options when working with us.

Pick Your Next Step to Sell your house to avoid foreclosure

1.  If you want to read a little further on avoiding foreclosure through selling your house, go here.

2.  Call me at 804/719-1489 during normal business hours on the East Coast.  I try to answer my own phone.

3.  Fill out this form, and I’ll call you shortly:

Get an offer

Avoid Foreclosure. Be Proactive and Take Action

When faced with any dilemma, a solid plan needs to be formulated in a very fast manner.

Dealing with foreclosure should be handled in the same way.

Being in the foreclosure process on your home will affect all of your other financial activities and plans.

So it only behooves you to act accordingly and plan ahead while you can.

However, most of us are only compelled to act when we are actually in the situation and there are slim choices for us at that time.

So when should you act on your pending foreclosure?

As soon as you find out!

We help sellers avoid foreclosure

If you have found yourself in a situation regarding foreclosure, make contact with us right away.  We can tell you what options you have to avoid foreclosure.

With your free consultation, you might be able to  to formulate a plan to help yourself get out of the situation early.

Making decisions in this time is not to be taken lightly; you need sound and tactical advice concerning your situation.

“Knowledge is Power”.

But knowledge without wisdom does not produce action.

If you have found yourself in a recent Foreclosure situation you need to be proactive now.

Simply call us at 804/719-1489, or hit the “GET OFFER” Button Below form to get our offer in 24 hours.

That’ll be your first step to avoid foreclosure

 

Sell your house with no equity

Sell your home with no equity

How can you sell your house fast even if you have no equity in the property?

It can be done, however a Realtor may not help you.

What you need is a company that can specialize in such situations to help you unload your property quickly.

Let me share a scenario to sell your house with zero equity to a company like us.

We are professional home buyers in Virginia but our reach via the Internet extends nationwide.

Zero Equity Short Sale

Short sales are one option.

This can only happen if you have fallen Behind on Payments and short sales are a means to avoid Foreclosure.

This short sale process is not fast, but it something that you can explore if you are tying to consider all your options.

Read our section on Short Sales to get an idea as to all the work involved.

If you have two mortgages, we may only have to short the second particularly if the second mortgage is with a different mortgage lender.

But they will only negotiate if the first mortgage lender is behind.  That is how we create the equity needed to complete the sale of your house.

Disclaimer: This information is for educational purposes and may not be applicable in all states, nor may it be all the options available to help you sell your house fast with zero equity.

Lease Option

Another popular option is to setup a lease option or a rent to own situation with a future buyer.

A future buyer with slightly dinged credit will want to lease your house while their credit recovers.  This implies all sorts of

  • credit screening
  • employment screening
  • criminal background checks
  • plus more.

The paperwork to setup a lease option correctly can be intimidating to someone who has never done it.

Virginia laws tightly regulate this activity to protect homeowners from falling prey to unethical investors.

Likewise, if you are not aware of these laws yourself, you may set yourself up for a giant fight between you and your future buyer.

You can choose to do this on your own, or you could use the partner services of my company to help you do a lease option in a compliant manner with the laws of Virginia.

What now?

We can help.

Call us at 804/719-1489, or fill out our offer form and we’ll be in touch within  few hours, normally.

In a 10 minute confidential phone interview, we might be able to discuss other options that can help you in your situation.

Sell a house with a couple of payments behind

Behind on Mortgage Paymetns

Behind on Payments?

What happens if you are a behind on payments and you want to sell your house?

You likely know the stress of creditors calling you.

People get a couple of payments behind for a variety of reasons.  Some of those reasons are beyond your control:

  • Job loss
  • Medical crisis
  • Divorce
  • Military deployment
  • Can’t afford a payment on an empty house after you’ve moved.

Here are 4 real simple answers when you are behind on payments  and you want to sell your house.

1.  Sell your house for cash to a qualified buyer.

We are cash buyers of houses.

When we pay cash for your house, those proceeds will pay off your existing mortgage.  Any loan payments that are behind, plus any late fees, will be added into the payoff statement.

Your loan would be paid off in full.

You sell your house, and you no longer have payments.

Imagine what that relief would feel like.

You will have avoided a foreclosure and no longer would have to play catch up from being behind on payments.

2.  Sell your house to an investor who takes over payments.

In this situation, the investor and you agree as to who will make up the back payments.

From then on, the investor will take over the payments on your house.

We have done this as a solution for many sellers since we started our business in 2004.

The seller was behind on payments.

We reinstated the loan and took over the existing mortgage payments.

The seller moved and we renovated the house and resold it.

You will not have to worry about the paperwork as we handle it all.

We make sure we are compliant with the laws of the state of Virginia regarding taking over your mortgage payments.

3.  Short sale your house.

If you are behind on payments and owe more than your house is worth, a short sale might be another solution.

We have done short sales and they are not easy.  But they are a solution.

In this situation, your missed payments are taken care of in the negotiations.

4.  Lease option your house.

If you are a few payments behind, a lease option might be a good work out, provided that the loan gets caught up with funds received from the tenant buyers.

Talk with us to find out what we can do:

We have been buying house for cash for over 5 years or buying houses for cash spread out over time (terms).

We buy your house for cash only if it works for you and I.

Get our offer within 24 hours, no matter in the United States where you are.

Or simply call 804-719-1489 during regular business hours for a free no-obligation consultation.

We Buy Houses in Foreclosure in Virginia

We buy houses in foreclosure in Virginia.

Anywhere in the state.

Your house in foreclosure process might be in Richmond, Henrico, Chesterfield, Petersburg, Colonial Heights, or even out in Roanoake, Lynchburg, or any other county in Virginia.

If your house is facing foreclosure in the state of Virginia and you want to sell your house fast, contact us directly at 804/719-1489 or fill out the form after tapping “Get Offer” below

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We typically respond within 30-45 minutes during working hours, and during the morning from overnight requests.  Doesn’t matter what time of day you want to fill out this avoid foreclosure form.

 

List of Counties and Cities in Virginia

VIRGINIA COUNTIES where be buy houses in foreclosures

  • Accomack County
  • Albemarle County
  • Alleghany County
  • Amelia County
  • Amherst County
  • Appomattox County
  • Arlington County
  • Augusta County
  • Bath County
  • Bedford County
  • Bland County
  • Botetourt County
  • Brunswick County
  • Buchanan County
  • Buckingham County
  • Campbell County
  • Caroline County
  • Carroll County
  • Charles City County
  • Charlotte County
  • Chesterfield County
  • Clarke County
  • Craig County
  • Culpeper County
  • Cumberland County
  • Dickenson County
  • Dinwiddie County
  • Elizabeth City County
  • Essex County
  • Fairfax County
  • Fauquier County
  • Fincastle County
  • Floyd County
  • Fluvanna County
  • Franklin County
  • Frederick County
  • Giles County
  • Gloucester County
  • Goochland County
  • Grayson County
  • Greene County
  • Greensville County
  • Halifax County
  • Hanover County
  • Henrico County
  • Henry County
  • Highland County
  • Isle of Wight County
  • James City County
  • King and Queen County
  • King George County
  • King William County
  • Lancaster County
  • Lee County
  • Loudoun County
  • Louisa County
  • Lunenburg County
  • Madison County
  • Mathews County
  • Mecklenburg County
  • Middlesex County
  • Montgomery County
  • Nansemond County
  • Nelson County
  • New Kent County
  • Norfolk County
  • Northampton County
  • Northumberland County
  • Nottoway County
  • Orange County
  • Page County
  • Patrick County
  • Pittsylvania County
  • Powhatan County
  • Prince Edward County
  • Prince George County
  • Prince William County
  • Princess Anne County
  • Pulaski County
  • [Old] Rappahannock County
  • Rappahannock County
  • Richmond County
  • Roanoke County
  • Rockbridge County
  • Rockingham County
  • Russell County
  • Scott County
  • Shenandoah County
  • Smyth County
  • Southampton County
  • Spotsylvania County
  • Stafford County
  • Surry County
  • Sussex County
  • Tazewell County
  • Warren County
  • Warwick County
  • Washington County
  • Westmoreland County
  • Wise County
  • Wythe County
  • York County

VIRGINIA CITIES where we buy houses in foreclosure

  • Alexandria
  • Buena Vista
  • Danville
  • Fredericksburg
  • Lynchburg
  • Newport News
  • Norfolk
  • Petersburg
  • Portsmouth
  • Richmond
  • Roanoke
  • South Boston
  • Staunton
  • Williamsburg
  • Winchester

Buy My House in Virginia

We are professional home buyers.

Do you have a house you want to sell fast?  Do you have an unwanted house in Virginia that you would like to sell quick?

People want to sell their house fast for a variety of reasons.

  • Divorce
  • Behind in mortgage payments
  • Health Reasons
  • Ugly House
  • Outdate house.
  • Avoid Foreclosure
  • Inheritance
  • Relocation
  • Bad Tenants
  • Accidental Landlord who tried to sell but couldn’t

These are common problems that can happen to anyone.

We buy houses fast from people in situations just like yours, in any areas, any condition or price range.

We can close quickly with no hassles, no commissions, and we will handle all the paperwork.  Rarely do problems just go away.

Call NOW. Let us find a solution that will work for you. You will be surprised at the options YOU have.

If you have a house in Virginia that you want to sell, and you don’t want to pay commissions, we can help you unload your house.

We can help. Get our offer within 24 hours.

Don’t want to fill out a form? Call us at 804/719-1489.

Housing 101 a helpful class

From the Dec 30th Richmond Times Dispatch.  Housing 101 a helpful class – News – inRich.com

From the related information file:

Worried about foreclosure? Don’t ignore the problem.

The further behind you get, the harder it will be to reinstate your loan and the more likely that you will lose your house.

Contact your lender as soon as you realize you may be in trouble. Lenders have options to help borrowers through difficult times.

Open your mail. The first notices you get from your lender will offer good information about foreclosure prevention options.

Later mail may include information about pending legal action.

Failure to open the mail will not be an excuse in foreclosure court.

Know your mortgage rights.

Find your loan documents and read them so you know what your lender may do if you can’t make payments. Learn about the foreclosure laws in your state. Understand foreclosure-prevention options.

If you decide to sell your house as your solution to falling behind on payments, Get offers from us in 24 hours.

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Tips for Avoiding Foreclosure – HUD

HUD has put out a document for homeowners entitled, Tips for Avoiding Foreclosure – HUD.

They are pretty simple

  1. Don’t ignore the problem
  2. Contact the lender as soon as possible
  3. Open and respond to mail from your lender.
  4. Know your mortgage rights.
  5. Understand foreclosure prevention options. (Selling your house in one of them)
  6. Contact a HUD approved housing counselor.
  7. Prioritize your spending.
  8. Use your assets to recover the debt.
  9. Avoid foreclosure prevention companies that charge fees up front.
  10. Don’t loose your house to foreclosure recovery Scams.

If you decide to sell your home to avoid foreclosure, you can rest assured that we will treat you fairly and with respect.

There are no upfront fees and we will tell you quickly if we are able to help you.

Give us a call, at 804/719-1489, or Get offers from us in 24 hours..

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I have bought properties before the foreclosure by taking over the existing payments and restoring the balance due.

I have bought properties after the foreclosure occurred, and then fixed them up to resell.

I want to:

  • Get A Fast Cash Offer
  • Stop Being a Landord
  • Avoid Foreclosure
  • Sell My Vacant Rental

Key Links for You

  • How does this work?
  • Sell Your Home Fast – 5 Easy Steps
  • Free phone call
  • Benefits To You
  • Get Our Offer in 24 Hours