Reinstatement funding
Reinstatement funding for homeowners. Cure your arrears, keep your home, stay in it.
If you're behind on your mortgage and there's real equity in your house, you may be able to borrow against that equity to bring the loan current — instead of selling.
The money goes where it needs to go: the arrears, the attorney fees, the late charges — whatever it takes to reinstate the loan and get a scheduled sale cancelled. You stay in the house. Nothing about your first mortgage changes: same lender, same rate, same payment, same position. This is a junior lien that sits behind it.
It's interest-only, so the monthly payment stays small while you get back on your feet. When you're ready, you pay it off — refinance, sell later on your own terms, or pay it down. Funding can happen in as little as 48 hours, which matters when a sale date is two weeks out.
This is short-term money that buys you time and keeps the house in your name. It isn't cheap money, and we won't pretend otherwise — we'll show you the cost against what losing the house would cost, and you decide.
At a glance
Your first mortgage stays exactly where it is.
Fast enough to matter before a sale date.
The house is the qualification.
You stay on title. You stay in the house.
This might fit if you
Enough room between what's owed and what it's worth to support a second position.
Even if the auction is already on the calendar.
This is for people who want to stay, not people looking for an exit.
Days, not the 45 to 60 a bank would take.
Credit, income documentation, or the default itself — a "no" from a bank isn't a no here.
Purchase and renovation money for a flip, drawn as the work gets done.
Get a property rent-ready and stabilized, then refinance into long-term financing.
Money to cure municipal violations and close open permits so a property can be sold, refinanced, or insured again.
Funds to carry a property, pay off other heirs, or cover costs while an estate works its way through the court.