FAQs

Yes. If you can pay the total past-due amount (including fees), you can reinstate your loan and stop foreclosure immediately. This is often the fastest, cleanest way to keep your home and protect your credit.

It’s when your lender changes the terms of your loan—like lowering your interest or extending the term—so payments become affordable. It usually takes 30–45 days. We don’t charge for this, but we can guide you in the right direction.

Chapter 13 bankruptcy can temporarily pause foreclosure while you restructure debts. But it’s a serious step that should only be taken after consulting a bankruptcy attorney.

Not necessarily. Selling before auction can help you exit with dignity—and often with more cash.

Market Sale: With more time (30–45+ days), we can market your home to investors and retail buyers for closer to full value.

Cash Sale: Close in 7–14 days, often at 70–75% of your home’s value.

This creative option lets us take over your loan payments while the mortgage stays in your name. You transfer the title, we stop the foreclosure, and you may even walk away with some cash now and more later. It’s not for everyone, but for the right situation, it can be a powerful alternative.

No. At Sprout Arc, we believe in honest conversations, not pressure. You’ll have the space and support to choose the option that works best for you.