Get my offer

Facing foreclosure? Know your options

Tennessee and Georgia both allow foreclosure without going to court, so the timeline can be short once it starts.

Get your cash offer

Step 1 of 4 · The property

How we can help

Tennessee and Georgia both allow foreclosure without going to court, so the timeline can be short once it starts. In Georgia, foreclosure sales are generally held on the first Tuesday of the month. In Tennessee, the sale notice is published in the newspaper before the sale date. If you have equity, selling before the sale can protect it and your credit.

We buy in Chattanooga, Hamilton County and North Georgia, including Rossville, Fort Oglethorpe, Ringgold, LaFayette, Chickamauga, Dalton and Trenton.

Three ways we can buy your house

1 · All cash, as-isNo repairs, no cleaning, no showings, no commissions. You pick the closing date.
2 · Seller financingA down payment, then monthly payments with interest. Often a higher price and income every month.
3 · Take over paymentsIf you have a mortgage and not much equity, we may be able to take over your monthly payments. We'll explain how it works first.

How we calculate your cash offer

No mystery. Here's the same math every serious cash buyer uses.

1 · After-repair valueWhat the house would sell for fixed up, based on recent nearby sales of similar homes.
2 · Minus repairsWhat it will really cost to bring it to that condition: roof, systems, kitchen, flooring, paint.
3 · Minus costs and marginHolding costs, closing costs, and a margin for our risk. The result is our offer, and we'll walk you through the numbers.

Example only: a house worth $200,000 fixed up that needs $25,000 of work might bring an offer around $110,000–$125,000. Every house is different.

Questions

Talk to a housing counselor first

A HUD-approved housing counselor is free and can help you talk to your lender about options like a loan modification or repayment plan: 800-569-4287.

When does selling make sense?

When you have equity and can't catch up. A sale before the foreclosure date pays off the loan, and you keep what's left.

Can you close before the sale date?

Often, yes, if there's enough time to search the title. Contact us as early as you can.

What if there's no equity?

We'll tell you straight. A short sale or other options may fit better, and a counselor or attorney can help.

Areas we buy in

Rossville, GA · Fort Oglethorpe, GA · Ringgold, GA · LaFayette, GA · Chickamauga, GA · Dalton, GA · Trenton, GA · Chattanooga, TN · East Ridge, TN · Red Bank, TN · Hixson, TN

Situations we help with

Sell a house with code violations · Sell a fire- or water-damaged house · Sell a hoarder house, as-is · House didn't sell · Sell land or a lot · Sell an inherited house · Behind on property taxes or dealing with liens · Done being a landlord · Sell your duplex, triplex or fourplex · Facing foreclosure · Sell your house as-is, with no repairs · Sell a vacant house that's costing you money · Selling a house during a divorce