No. Home Helpers purchases directly from homeowners with no agents involved, which means you pay zero real estate commissions. Traditional sales in Lemoore typically incur 5–6% in combined buyer and seller agent fees, which on a $350,000 home equals $17,500–$21,000. When you sell to us, that money stays in your settlement proceeds instead of going to agent commissions.

Selling your Lemoore home before the trustee sale prevents the foreclosure from being completed and reported to the credit bureaus as a foreclosure. While the earlier Notice of Default may still appear on your credit report, a completed foreclosure causes significantly more damage. Typically a 200–300 point credit score drop that remains for 7 years. By selling before the auction, you avoid that severe impact and preserve more options for future home financing.

Yes. We purchase occupied foreclosure properties in Lemoore and handle all tenant coordination, lease terminations, and relocation logistics after closing. If your Lemoore property is tenant-occupied, that does not disqualify it from our purchase program. We buy investment properties and owner-occupied homes equally. California tenant protection laws require proper notice, and we comply fully with all state and local regulations during the transition.

We calculate offers using Lemoore comparable sales from the past 90 days, subtract estimated repair costs, subtract our acquisition and holding costs, and subtract a margin that allows us to resell the property profitably. This typically results in offers at 70–80% of the home's after-repair value (ARV). We provide a written breakdown of the offer calculation so you understand exactly how we arrived at the number, and we're happy to walk through the comps and repair estimates with you before you make a decision.

You'll need a government-issued photo ID, proof of ownership (your deed or title report), and copies of any foreclosure notices you've received (Notice of Default, Notice of Trustee Sale). If you've lost your documents, our title company can retrieve most records directly from Kings County. Home Helpers handles all title searches, lien payoff calculations, and escrow paperwork. You don't need to gather extensive documentation before contacting us.

Yes, but the sale requires approval from the bankruptcy court and coordination with your bankruptcy attorney. In Lemoore Chapter 7 cases, the trustee must approve the sale; in Chapter 13 cases, the court must approve any sale of estate property. Home Helpers has experience working with bankruptcy attorneys and courts to facilitate home sales that satisfy creditors and allow the case to proceed. If you're in active bankruptcy, inform us immediately so we can coordinate with your legal team.

Second mortgages and HELOCs complicate foreclosure sales because both lenders must agree to the payoff terms. Home Helpers negotiates directly with all lienholders. First mortgage, second mortgage, HELOC, and any junior liens. To structure a settlement that releases you from the property. In many Lemoore cases, second lien holders accept reduced payoffs because they recover nothing if the first mortgage forecloses. We've successfully closed sales where homeowners owed $400,000 across two loans on a home worth $350,000 by negotiating lender concessions that allowed the sale to proceed.