No. We provide written cash offers at no cost and with no obligation. No inspection fees, no offer fees, and no upfront charges of any kind. If you accept our offer, we cover all standard seller closing costs including title insurance, recording fees, and transfer taxes. You pay nothing out of pocket and receive your net proceeds at closing via wire transfer or certified check.

We purchase properties in Exeter with multiple liens, including second mortgages, HELOC balances, and municipal tax liens. Our title company identifies all liens during the title search, and we structure the purchase to satisfy each lien in order of priority at closing. In cases where total liens exceed property value, we explore short sale options with your lenders. Full lien disclosure is required upfront so we can provide an accurate net proceeds estimate.

Selling before foreclosure completion avoids the 200–300 point credit score drop that a foreclosure judgment causes, and prevents the seven-year foreclosure record on your credit report. A cash sale appears as a standard property sale with no negative reporting, assuming all liens are satisfied at closing. If you complete a short sale where lenders accept less than full balance, you may see a 50–100 point drop, but this is significantly less damaging than foreclosure and recovers faster.

Yes. We purchase properties in Exeter with active code violations, failed inspections, structural damage, or conditions that make them uninhabitable under local housing codes. Our offers account for the cost to remedy violations or demolish and rebuild if necessary. Properties condemned by the Exeter building department, homes with foundation failure, and houses with fire or water damage all qualify for cash purchase.

You need proof of ownership (deed recorded in Rockingham County), photo ID, your most recent mortgage statement showing current balance, and any foreclosure notices you've received from your lender. If you have a second mortgage, HELOC, or tax liens, bring those statements as well. Home Helpers and our title company handle all other documentation, including the purchase agreement, title search, lien payoff authorizations, and closing settlement statement.

Yes. We purchase multi-family properties (duplexes, triplexes, small apartment buildings) and small commercial properties in Exeter facing foreclosure, using the same cash purchase process as single-family homes. Multi-family purchases may require 14–21 days to close due to additional title and lien complexity, but we still avoid financing contingencies and purchase in as-is condition. Contact us with your property details for a customized offer and timeline.

Any equity remaining after satisfying your mortgage, liens, and closing costs is paid directly to you at closing via wire transfer or certified check. We provide a detailed settlement statement before closing showing the purchase price, all payoffs, our covered closing costs, and your net proceeds. If your home has significant equity, our offer is structured to preserve as much of that equity as possible while still closing fast enough to avoid foreclosure auction.