Job Loss

Lost Your Job? Sell Your Home Fast.

Layoff, contract ended, business closed, hours cut, or income gone overnight — we buy Minnesota homes for cash before missed payments turn into late fees, credit damage, or foreclosure. No bank approvals, no showings, no waiting. Get your equity out and move forward.

Why Owners Call Us

Job loss doesn't have to cost you
the house

When the paycheck stops, the mortgage doesn’t. The clock starts ticking the day you lose your income, and traditional selling, four to six months on the market, repairs, agent timelines, isn’t built for that clock. We buy homes from owners in transition every week, on a timeline that actually matches the situation.

Cash before things get worse

A 30-day late mortgage payment hits your credit for seven years. Two missed payments and a foreclosure filing can begin. We move fast on purpose: walkthrough within 24 to 48 hours, written cash offer the next day, and closing in as few as seven. The goal is to put cash in your hand before the situation forces decisions you can’t undo.

Offer in 24 hours, close in 7

A deal that actually closes

When you can’t afford a deal to fall through, a traditional buyer using bank financing is the worst kind of risk. Their loan can be denied at the last minute, and you’re back to square one another month down. We pay 100% cash from our own funds. No underwriter, no appraisal contingency, no last-minute denial three weeks into the deal.

Zero financing contingencies

Close on your timeline

Need cash this week to catch up on bills? We can close in seven days. Lining up a new job in another state and need to time the move? We’ll wait two months. Want to stay through the school year and rent the home back from us? Often workable. The closing date and possession date both flex to the shape of your life right now.

You pick the closing date

Side-By-Side

Two paths when income disappears

Selling under financial pressure is a different game than selling in a normal year. Listing for top dollar costs you four to six months of carrying costs you don’t have, and a deal that falls through can push you into foreclosure. Here’s how the math actually plays out.

Traditional Sale

Listing While You're Out of Work

Pre-list cleanup & staging

Fresh paint, deep cleaning, minor repairs, staging fees, professional photos, often $3,000–$10,000 spent before a single showing happens.

Showings while you're stressed

Strangers walking through your house on short notice, every weekend, while you’re in the middle of a job search and trying to keep the family steady.

Buyer financing falls through

30% of pending sales fall apart at the lender stage. When you’re a missed payment away from credit damage, that risk isn’t theoretical, it’s existential.

Carrying costs keep stacking

Mortgage, taxes, insurance, utilities, HOA dues — every month on the market with no income coming in is real money draining out of savings or onto credit cards.

Missed payments hit your credit

A 30-day late lands on your credit report and stays for seven years, dropping your score 80–100 points and making the next apartment, car loan, or mortgage harder.

Typical Timeline

4 – 6 months & uncertain

Our Way

Selling Direct to MN Property Buyers

Zero out-of-pocket cost

No paint, no cleaning, no repairs, no staging, no listing fees. Sell the home exactly as it sits today and put every dollar of equity in your pocket.

One walkthrough, that's it

No weekend showings, no open houses, no strangers in your kids’ bedrooms while you’re trying to job-hunt. We see the home once and write the offer.

100% cash, no financing

Our funds, our deal. No bank approval, no appraisal contingency, no financing fall-through three weeks before closing while your savings keep draining.

Close in as little as 7 days

The mortgage, taxes, insurance, utilities, all of it ends at closing. Walk away with cash in hand and the financial pressure off your back.

Protect your credit

Selling now, before missed payments hit your credit report, keeps your score intact for the next apartment, the next car loan, the next mortgage.

Typical Timeline

As fast as 7 days

A Real Scenario

Six weeks after the layoff, and what comes next

A two-income household becomes one when one spouse is laid off in a corporate restructuring. Severance covers about ten weeks. Six weeks in, no offers yet, the job search timeline has stretched, and the savings runway is shrinking faster than expected. The mortgage is current today, but the math on the next three months is hard. List with an agent for top dollar, or sell now and stop the bleeding?

Here’s how the numbers compare on a home worth around $360,000 in current market condition.

Common Questions

What owners often ask us

Selling under financial pressure brings its own concerns, missed payments, credit, mortgage payoff, second loans, timing around a new job. Here’s straight talk on the questions we hear most from owners in transition.

I'm already a month or two behind on the mortgage. Can you still help?

Yes, and this is exactly when speed matters most. As long as the foreclosure sale hasn’t actually happened yet, we can usually still buy the home and pay off the mortgage at closing, including the missed payments, late fees, and any reinstatement amount your servicer is owed. The earlier you call, the more options you have. Even at thirty or sixty days late, there’s room to act. Once a sheriff’s sale is scheduled, the timeline tightens fast, and we’ll work directly with your lender to make the dates line up.

I just got a job offer in another state. Can you close around my move date?

Yes. Closing date and possession date are two separate things, and we flex both of them to fit your move. If you need three weeks to pack and drive a U-Haul across the country, that’s the date we close. If you need to leave next Tuesday and let us deal with the leftover stuff, that works too. Tell us when the new job starts and what makes the move easier on the family, and we’ll build the timeline around it.

Will selling now hurt my credit the way a foreclosure would?

No, and that’s actually one of the strongest reasons to sell quickly. A normal sale, even an urgent cash one, doesn’t show up on your credit report at all. The mortgage simply gets paid off and disappears. A foreclosure, by contrast, can drop your score 100 to 160 points and stay on file for seven years, and even a single 30-day late payment hits your score hard and lingers. Selling before missed payments accumulate is the single biggest move you can make to protect your credit through this rough patch.

I owe more than the home is worth. Is selling even an option?

Sometimes, yes. If the gap between mortgage balance and market value is small, occasionally we can structure something that works. If the gap is larger, the right path is usually a short sale, where the lender agrees to accept less than the full balance. We’ve walked owners through that process many times and can introduce you to short-sale-experienced agents and attorneys when that’s the better fit. Either way, the conversation is free, and we’ll tell you straight what your real options are.

What if I have a HELOC or second mortgage on top of the first?

Common, and not a deal-breaker. Both a primary mortgage and a HELOC or second mortgage get paid off through the title company at closing, in the order their liens are recorded. Tell us upfront what’s against the property and we’ll pull the official payoff figures from each lender, build them into the closing statement, and make sure every lien is released cleanly. You walk away with whatever equity is left after the payoffs, with everything settled in one wire on closing day.

Do I need to clean out the house, fix anything, or hold showings?

None of it. Take what you want, leave the rest, we handle the cleanout. No painting, no carpet replacement, no fixing the leaky faucet, no staging, no professional photos, no public listing, no open houses, no random strangers walking through while you’re trying to job-hunt. We do one walkthrough, write the offer, and that’s the only time anyone needs to be in the house before closing.