ServicesAvoid Foreclosure
Avoid Foreclosure in Sunland Park
If the payments have slipped and the letters keep coming, you still have options. We buy the house as-is for cash, cover the closing costs and close on the date you pick. That can mean paying off the loan before the lender sells it.
A cash sale can pay off the loan before the sale date
A lender forecloses when it gives up on getting paid and moves to sell the house to cover the debt. In New Mexico that runs through the courts: the lender must file a case and win a judgment before a sale can happen. That stretch of months is your window. Sell the house and pay the loan off before the court sale, and the foreclosure has nothing left to take.
We pay cash, which means no bank loan on our end holding up the deal. There is no appraisal, no inspection and no financing contingency. You see a clear figure and know your take-home amount before you sign.
Selling is not your only path, and we won't claim it is. A lender may rework the loan or let you repay the missed months over time, and a housing counselor can walk you through those options. When one of them suits you better, we tell you. Sale or no sale, we connect you with the best alternative contact we know.
What you get when you sell to us
- $0 fees, $0 commission
- No agent gets a cut and nothing is deducted for fees. The amount we offer is the amount that goes toward your payoff and then to you.
- Closing costs are on us
- Every closing cost tied to selling the house is ours to pay. When each dollar is headed toward the payoff, that adds up.
- No repairs
- Leave the roof, the stucco cracks and the old swamp cooler as they are. We buy as-is, so you are not spending money you don't have on fixes.
- You choose the closing date
- Close fast to beat a sale date, or take a few extra weeks to line up your next place. You set it.
- A straight look at the numbers
- We work out what you owe, including back payments, late fees and the lender's legal costs, and show how a sale covers it. If the math does not work, we tell you.
- Help with the title company
- The title company orders the payoff from your lender and handles the funds. We keep in contact with them so you are not chasing paperwork alone.
Signs it is time to look at a sale
You have missed two or more payments
Lenders usually start formal steps after a few missed months. The earlier you act, the more choices you have.
A demand letter or notice of default arrived
This letter says how much it takes to catch up and by when. If you can't reach that number, a sale may be the cleaner way out.
You were served court papers
A summons and complaint means the lender has filed. You still have time, but the clock is running, so get advice early.
A sale date has been set
Once there is a date, timing is everything. A cash buyer can often close before it if the title is clear.
Catching up just isn't realistic
A job change, medical bills or a divorce can make the old payment impossible. Selling on your terms beats losing the house on the lender's terms.
From first call to closing
- 1
Start with a phone call
Let us know how far behind you are, which letters have shown up and whether a sale date is on the calendar. A few minutes is usually enough.
- 2
A short look at the house
Our free walk-through runs about five minutes, so the offer is based on the real house and not a guess. Don't clean or fix anything first.
- 3
Free, no-obligation cash offer
We give you a number and walk you through how it covers your payoff. Take time to think it over or talk it through with family.
- 4
Title and payoff
If you say yes, the title company gets the exact payoff from your lender and checks for any other liens. This step decides how fast we can close.
- 5
Close on your date
You sign, the lender is paid from the sale and any money left over goes to you.
What shapes your offer
Fees and commission are zero, and the seller-side closing costs are ours to pay. So the real question is the size of the offer and how much is left for you once the lender is paid. Here is what moves it.
- What you owe
- Back payments, late fees and the lender's attorney and court costs all get added to the payoff. The further along the case, the higher those costs climb.
- Condition of the house
- A house with roof leaks, foundation cracks or an outdated kitchen gets an offer that reflects the work ahead. You still don't fix anything.
- Other liens
- Second mortgages, tax liens or judgments must be paid at closing too. We find them early so there are no surprises.
- How soon you need to close
- A tight sale date leaves less room. Calling early gives more time to get the title cleared and the numbers right.
Foreclosure questions, answered plainly
Something not covered here? (915) 233-4366
Can selling to you really stop the foreclosure?
If the sale closes before the court sale and the loan is paid in full, the lender has no reason to go forward. We can't promise every case will make it in time, since title and payoff timing matter. That is why we ask about your dates on the first call.
What if I owe more than the house is worth?
When the loan balance is higher than the value, a cash sale on its own usually can't pay it off. Your lender would need to accept a smaller payoff, and that is a separate process with its own paperwork. We will be honest about where you land and point you to the best alternative contact we know.
Do I have to clean out or repair anything first?
No. We buy the house the way it sits today, so nothing needs fixing. Pack up whatever matters to you. Anything you leave behind is ours to deal with.
Will I get any money from the sale?
If the offer is more than your payoff and any liens, the difference is yours at closing. We show you that math before you agree to anything.
Should I still talk to my lender?
Yes. Keep opening the mail and answering their calls. A lender may offer a plan you can live with, and a housing counselor or attorney can explain your rights in court.
Do you buy outside Sunland Park?
Yes. We also buy in Santa Teresa, Canutillo, Westway, Anthony and the area around Fort Bliss.
Find out where you stand
One call gets you real numbers and an honest read on your options. If selling isn't the right move, we'll tell you who to call instead.