You pay zero costs. Home Helpers covers all closing costs, title fees, escrow fees, recording fees, and any transfer taxes required in Curry County, NM. We also pay off any outstanding property tax liens, HOA dues, or other liens discovered during title search, deducting those amounts from the purchase price but handling payment directly to the lienholder. The cash amount we quote in our offer is the amount you receive at closing, with no surprise deductions or fees added later. This is the core difference between a cash sale and a traditional listing, where the seller pays agent commission (typically 5–6%), title fees, and often contributes to buyer closing costs.

Yes. We purchase homes at every stage of foreclosure, from the first missed payment through the notice of default (NOD), notice of sale, and even up to the day before auction in some cases. The key variable is timing. The earlier you contact us, the more options we have to negotiate with your lender, arrange title work, and close before the auction date. Once a foreclosure auction occurs and the property is sold to a third-party bidder or reverts to the lender (REO), you no longer have legal authority to sell, so acting before the auction is critical. If you have received any foreclosure-related notice in Clovis, contact us immediately for a same-day consultation.

If we close the sale before the foreclosure auction occurs, the foreclosure is canceled and does not appear as a completed foreclosure on your credit report. What does appear is the history of missed payments leading up to the sale, which affects your score but is significantly less damaging than a completed foreclosure. If the sale is structured as a short sale, it may appear as 'settled for less than owed' or similar language, which is more favorable than foreclosure. If the auction has already occurred, the foreclosure is already recorded and selling afterward cannot remove it. The credit impact difference between stopping foreclosure before auction versus allowing it to complete is approximately 100–150 credit score points over the following two years.

Yes. We purchase properties in any condition, including homes with foundation damage, roof failure, mold, fire or water damage, code violations, and deferred maintenance that would disqualify them from FHA or conventional financing. Most foreclosure-threatened properties in Clovis have some level of deferred maintenance because homeowners in financial distress cannot afford repairs, and that is exactly the scenario our business model is designed for. We calculate repair costs into our offer price and handle all post-purchase remediation ourselves. You do not need to fix, clean, or even remove personal belongings before closing. We purchase the property in its current as-is state.

Our offer is based on four factors: current market value of comparable homes in your Clovis neighborhood (using recent sales data in zip codes 88101 and 88102), the estimated cost of necessary repairs to bring the property to retail condition, the outstanding mortgage and lien balances that must be paid at closing, and our acquisition cost and profit margin. We provide a written breakdown of the offer calculation so you understand how we arrived at the number. Because we are purchasing for cash and closing quickly, our offers are typically 70–85% of the after-repair market value, which reflects the risk, cost, and time we assume. This discount is transparent and is the trade-off for speed, certainty, and zero cost to you.

A foreclosure sale is a lender-initiated auction that occurs after the borrower defaults and the redemption period expires. The property is sold at public auction to the highest bidder, and proceeds go to the lender to satisfy the debt. A short sale is a homeowner-initiated sale where the property is sold for less than the mortgage balance with lender approval, and the lender agrees to accept the sale proceeds as full satisfaction of the debt. Short sales allow you to avoid foreclosure on your credit report, maintain some control over the sale process and timing, and in some cases negotiate relocation assistance from the lender. Home Helpers manages the short sale process for Clovis homeowners, including all lender communication and documentation, at no cost to you.

Yes. You do not need to be living in the property to sell it to Home Helpers. Many foreclosure-facing homeowners in Clovis move out before the sale due to job relocation, family circumstances, or inability to afford ongoing utilities and maintenance. We purchase vacant properties and handle all securing, winterizing, and maintenance after closing. If you have already moved, contact us with the property address and your current contact information, and we will schedule a walkthrough and deliver an offer even if you are out of state. You can complete the entire closing process remotely through overnight mail and electronic signature if necessary.