Facing foreclosure
A notice of default or a sale date on the calendar — there may still be time to act. See your options →
If you've gotten a notice of sale or you're behind on payments in the Helena area, there's often still time to act. We're a local, family-run team making fair, no-obligation offers — as-is, no agent fees, no repairs, no showings. You choose the closing date.
Free and confidential. No pressure — if it's not right for you, walk away.
Montana is a non-judicial foreclosure state, so most Helena-area loans are foreclosed under the Small Tract Financing Act — a trustee sale, no courtroom needed. The timeline is one of the longest in the country, which usually gives homeowners breathing room.
The trustee generally records and mails a notice of sale at least 120 days before the sale, posts it on the property, and runs it in a local paper. You can usually reinstate the loan any time before the sale, and the Small Tract Financing Act generally bars a deficiency judgment. So Helena homeowners typically have real time to consider reinstating, refinancing, a lender repayment plan, selling, or letting us take over the payments.
This is general information, not legal advice. If you're facing a sale date, we'll encourage you to also speak with a HUD-approved housing counselor (HOPE Hotline, 1-888-995-HOPE) and a licensed attorney. If selling is the right move, we buy as-is across the Helena area — from the downtown and Westside neighborhoods to East Helena and the Helena Valley.
A notice of default or a sale date on the calendar — there may still be time to act. See your options →
Falling behind and the letters keep coming. Let's look at the numbers together.
A house you didn't plan for, maybe out of town, with taxes and upkeep piling up.
You need a clean, fast split and a fair number both sides can live with.
Property taxes, city liens, or violations you can't get ahead of.
Bad tenants, vacancies, repairs — ready to be done for good.
Foundation, roof, or a full rehab the house needs and you don't want to fund.
Life changed fast. Selling on your terms can give you room to breathe.
Three easy steps, on your timeline — with honest answers at every one.
A quick call, text, or the form below. No cleaning, no repairs, no showings to strangers.
We look at your situation and the property, then walk you through your real options — including the ones that aren't selling to us.
Pick your closing date, take your time, or walk away. If we buy, we cover typical closing costs.
A single cash number isn't always the best outcome for you. Because we can structure a purchase a few different ways, we can often make an offer that actually fits your situation.
A fair cash price with a fast, certain close. Sold as-is, on your date.
We take over the existing mortgage payments and bring the loan current, so a looming foreclosure can stop and you can move on.
Seller financing and other structures where you carry terms and receive payments over time — often netting more than a discounted cash price.
Tell us a little about your home and situation. A real person from our local team will reach out — usually the same day.
Prefer to explain your situation in your own words? Email us at talk.
A real person from our local team will reach out shortly — usually the same day.
Prefer not to fill out a form?
Fill out the quick form and a local person — not a call center — will reach out, usually the same day.
The price is typically a little below full retail in exchange for the speed and certainty.
Get my free offerA good fit when there's little, no, or even negative equity — or you're behind on payments.
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