Frequently asked questions

No, and neither will any other cash buyer who’s being honest with you. We pay below retail, because that discount is what funds the speed, the certainty, the repairs, and the risk we take on. If you have equity and time, a traditional listing will net you more — we’ll tell you that directly. What we offer is a certain closing date, which is worth a great deal when there’s an auction scheduled.

Seven days is realistic when title is clean. More commonly it’s ten to fourteen. The limiting factor is usually the title company and the payoff figures from your lender, not us. If your sale date is very close, tell us immediately — that changes how we sequence things.

Possibly not. In Arizona you generally retain the right to reinstate until 5:00 p.m. the last business day before the sale, and trustee sales are sometimes postponed. A closing can occasionally be arranged very quickly when everyone knows the deadline. Call rather than fill out a form if you’re inside two weeks.

No. No fees, no commissions, no repair costs, no cleaning. We cover standard closing costs. If anyone in this industry asks you for an upfront fee to “stop your foreclosure,” treat that as a serious warning sign.

Then a direct sale may not be possible, and we’ll say so rather than waste your time. Depending on the numbers, a short sale, deed in lieu, or letting the sale proceed may serve you better. We’re happy to talk it through regardless.

A completed foreclosure does significant damage and generally stays on your credit report for seven years. Selling before the sale — whether to us or anyone else — avoids that specific mark, though missed payments already reported will still be there. A credit professional can give you a clearer picture of your particular situation than we can.

Possibly not. Arizona has anti-deficiency protections that, for certain residential properties, prevent lenders from pursuing you personally for the remaining balance after a trustee’s sale. Whether they apply to you depends on the parcel size, how the property was used, and your loan type. This is worth asking an attorney about — many homeowners assume they’ll owe a balance when they may be protected.

Yes. We buy occupied properties regularly, including ones with difficult tenants or leases in place. You don’t need to resolve anything before talking to us.

Very common in these situations and usually solvable. Liens and back taxes typically get paid out of the sale proceeds at closing. Title issues sometimes take longer to clear, which is another reason to start the conversation early rather than late.

Yes, and it’s a situation we see often. Depending on whether the estate has gone through probate, there may be extra steps — but inherited properties in default are very much something we handle, including for out-of-state heirs.

It stays with us. We don’t sell or share leads with other investors or marketing companies. You won’t start getting calls from six other buyers because you contacted us.

Then nothing happens. No follow-up campaign, no pressure calls. If we’ve helped you get to a better option, that’s a good outcome as far as we’re concerned.