Frequently Asked Questions

Maybe you have a few questions. That’s okay; most people do. Here is a quick collection of some of the questions people ask us, along with our answers. If you still have a question, don’t hesitate to contact us anytime. We would be happy to answer it for you.

1. “How do I know if someone helping with my foreclosure is legit or a scam?“

• They tell you to stop talking to your lender or send payments to them instead.
• They charge upfront fees to “stop foreclosure,” do a “loan mod,” or “reinstate” your loan.
• They guarantee they can “save your home” or “approve a modification” before even seeing your paperwork.
• They rush you to sign documents you don’t fully understand.
• They ask you to sign over the deed / quitclaim without a clear purchase & sale agreement and closing with a neutral title/escrow company.

If you see any of these, hit pause and get a second opinion from a HUD-approved housing counselor or an attorney.

2. “What should I check before I trust an investor or company with my home?”

• Do they have 20+ recent Google reviews from real homeowners in situations like mine?
• Can they introduce me to past clients who will actually pick up the phone?
• Can I verify they’ve closed deals with a local title company that will vouch for them?
• Do they clearly explain how they get paid, in writing, before I sign anything?

This leans on “what others say” and “what I experience” as the strongest sources of authority.

3. “Is it ever safe to sign a quitclaim deed?”
Short answer: only if:

• There is a written purchase and sale agreement spelling out price, dates, and terms.
• You are closing through a licensed title / escrow company that explains every document.
• You understand exactly when you must move out and how much money you are getting and when.

If someone wants a deed signed outside of closing or ‘just to start the process,’ that’s a massive red flag.

4. “What about companies that say they’ll give me a ‘loan’ so I can stay in my home?”

• Is this interest only? What happens in 2–5 years?
• Do payments balloon later?
• Do I lose part of my equity or ownership?
• If I can’t refinance later, who owns the house?

If the only way this works is everything goes perfectly years from now, be very careful.

5. “Should I ever pay someone to apply for a loan modification or reinstatement?”

• In many cases, it’s illegal for “foreclosure consultants” to charge upfront fees just to submit paperwork or “negotiate” with your lender.
• You can talk to your lender directly or use a HUD-approved housing counselor who typically helps at no cost.

We’re not attorneys; laws differ by state. Always check with a licensed professional.

6. “What questions should I ask anyone who says they can help?”

“Can you walk me through what this looks like at 3 months, 1 year, and 5 years?”

“How exactly do you make money in this situation?”

“What are the risks or downsides for me?”

“Can I take these documents to an attorney or housing counselor before I sign?”

7. “How are you different from the ‘we buy houses fast’ people?”

• “We start by seeing if it’s realistic for you to stay first.”
• “We’ll tell you if another option is better, even if we make less or nothing.”
• “We’re happy for you to check our reviews, talk to past clients, and run our paperwork by an attorney before signing.”

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