Pre-Foreclosure Help in Nashville, Tennessee

You Know This Place. You Know These Streets.

If you’ve called Nashville home for any length of time, you know what makes this city different. You’ve driven I-440 and I-65 countless times—through the traffic that seems to get worse every year, past the construction cranes that have become a permanent fixture of the skyline, toward East Nashville or West End or wherever work and life take you. You’ve probably spent time at Centennial Park looking at the Parthenon, walked along the Cumberland River, or taken your kids to one of the dozens of parks scattered throughout Davidson County. Maybe you’ve caught live music on Broadway, grabbed hot chicken at one of the legendary spots, or watched the city transform from the neighborhood you once knew.

You know the rhythm of this city. How it’s exploded from a mid-sized Southern city to a booming metro that everyone seems to want to move to—from California, from New York, from Chicago, bringing their remote work jobs and their California money. You know the neighborhoods—maybe you’re in East Nashville with its artistic vibe and rapid gentrification, or in Germantown or The Gulch with their trendy restaurants and condos, or in one of the established areas like Green Hills, Bellevue, or Donelson. Maybe you’re in one of the historically Black neighborhoods like North Nashville or Antioch, watching your community change around you.

This is the kind of place where music is everywhere—where every server is a singer-songwriter, where the Grand Ole Opry has been broadcasting since 1925, where country music built an empire. Where your home isn’t just an address on Charlotte Pike or Nolensville Pike—it’s part of a city that’s become one of the hottest real estate markets in America, which is great if you’re selling, but devastating if you’re trying to hold on.

So when you’re facing pre-foreclosure here in Davidson County, it doesn’t feel like just a financial problem. It feels like you’re being priced out of your own city, losing your place in a town that’s grown so fast it’s left longtime residents behind.

What Pre-Foreclosure Feels Like When Your City Becomes Unaffordable

There’s something particularly painful about facing foreclosure in Nashville right now. Everywhere you look, the city is booming—new high-rises downtown, luxury condos in neighborhoods that were working-class five years ago, tech companies moving in, celebrities buying mansions, bachelor and bachelorette parties flooding Broadway every weekend. The news constantly talks about how Nashville is one of the hottest cities in America, how everyone wants to live here, how property values are skyrocketing.

And here you are, unable to keep up with your mortgage.

Maybe you’re a Nashville native, born and raised here, and you’re watching the city you love become unrecognizable and unaffordable. Maybe you bought your house ten or fifteen years ago when Nashville was still affordable, thinking you’d found stability. Now your property taxes have tripled as home values have exploded, and your income hasn’t kept pace. Maybe you work in healthcare at one of the hospitals—Vanderbilt, TriStar, Saint Thomas. Maybe you’re in the service industry—restaurants, hotels, tourism—jobs that keep Nashville running but don’t pay enough to keep up with the cost of living.

Maybe you moved here five years ago for the opportunities, and you’re one of the many people who discovered that Nashville’s cost of living isn’t what it used to be. Maybe you’re in the music industry, trying to make it, and the day job isn’t covering the bills anymore. Maybe you work in construction or trades, building the very high-rises and condos you can’t afford to live in.

A medical emergency, a job loss, a divorce, unexpected expenses—life happened. Not because you were reckless. Because you’re trying to survive in a city where the median home price has more than doubled in the last decade, where rent is as expensive as a mortgage used to be, where being middle-class increasingly means being priced out.

And here’s something important to understand: You’re not out of time yet. Pre-foreclosure means you still have options. It means the bank hasn’t taken your home. It means you can still take a breath, think clearly, and make a decision that works for you and your family.

How Foreclosure Actually Works in Tennessee

Let’s talk about what’s really happening, because understanding the process takes away some of the fear and uncertainty. In Tennessee, foreclosures can happen through either judicial or non-judicial processes, but most lenders use the non-judicial route because it’s faster. This means the bank doesn’t have to go to court to foreclose on your home.

Here’s the typical timeline:

The Tennessee Foreclosure Timeline

When You First Miss a Payment: Nothing happens immediately. The lender sends notices. You get phone calls. But they’re not rushing to foreclose—they’d actually prefer to work something out with you because foreclosure costs them money and time too.

After 30-90 Days: The letters get more serious. You start seeing terms like “default notice” or “acceleration clause.” This is where many people start to panic and avoid opening their mail. But you still have time to act.

The Notice of Default: Under Tennessee law, your lender must send you written notice before it can proceed with foreclosure. This is typically a formal notice that you’re in default on your mortgage.

The Notice of Sale: Tennessee requires at least 20 days’ notice before a foreclosure sale. This notice must include:

• The time, place, and terms of the sale
• A description of the property
• The date of the foreclosure sale

This notice usually comes by certified mail to your last known address. Whether you’re in a bungalow in East Nashville, a condo in The Gulch, a house in Antioch, or anywhere in Davidson County, you’ll receive it. This is your official warning that things are getting serious.

The Publication Requirement: Here in Davidson County, the lender also has to publish a notice of the foreclosure sale in a local newspaper (typically for three consecutive weeks). This is public notice—anyone can see it.

The Foreclosure Sale: If you haven’t been able to work something out or sell the property yourself, your home goes to auction. In Tennessee, foreclosure sales typically happen at the courthouse or at the property itself, depending on what’s specified in the deed of trust. For Davidson County, sales often occur at the Davidson County Courthouse in downtown Nashville.

The sale is public, usually held on a specific day. Your home is sold to the highest bidder—sometimes the bank itself buys it back, sometimes it’s an investor looking for properties in one of America’s hottest real estate markets.

After the Sale: Once your home is sold at auction, you typically have to move out. Tennessee has a statutory right of redemption period in some cases, but it’s limited and doesn’t apply to all situations. In most cases, what’s done is done, and it happens fast.

Here’s What Most People Don’t Realize

The process in Tennessee can move relatively quickly compared to some other states. But here’s the crucial part: at any point before that auction gavel comes down, you still have options. You can sell the house yourself. You can try to negotiate with the bank. You can explore a short sale if you owe more than the home is worth.

The key is not waiting until the last minute. Not because we’re trying to pressure you—we’re not—but because the earlier you take action, the more choices you have and the better your outcome can be.

Why Nashville Homes Are Different

Your home here isn’t like a house in just any booming city. Nashville has a character all its own—a blend of Southern hospitality, country music heritage, explosive growth, and neighborhoods with histories that run deeper than the newcomers realize.

If you’re in East Nashville—in Five Points, Lockeland Springs, Inglewood—your home might be a historic craftsman or shotgun house in a neighborhood that’s been completely transformed by gentrification in the last fifteen years. These areas were affordable working-class neighborhoods that have become some of the most expensive real estate in the city. If you’re in 12 South, Germantown, or The Gulch, you’re in areas that have been completely redeveloped, where old buildings have been torn down and replaced with luxury housing.

If you’re in the historically Black neighborhoods—North Nashville, Bordeaux, Antioch—your home is part of communities that have been the backbone of this city for generations, where families built wealth and raised children, where churches are the heart of the neighborhood. These are the areas now facing the most intense development pressure, where longtime residents are being priced out by investors and developers.

If you’re in the more suburban areas—Bellevue, Hermitage, Madison, Donelson—you might have a traditional home in neighborhoods that were supposed to be the affordable option but have seen explosive growth in property values and taxes. If you’re in one of the luxury areas—Green Hills, Belle Meade, Brentwood (technically Williamson County but part of the metro)—you might be dealing with a different kind of pressure, where the expectations and costs are relentless.

These aren’t just addresses on a Davidson County property record. They’re places with history—family gatherings, front porch conversations, neighborhood festivals, the sound of someone practicing guitar in their garage, Sunday mornings at the church that’s been there longer than you’ve been alive.

And here’s the truth: properties in Nashville have real value, even if you’re behind on payments, even if the house needs some work. You’re in one of the fastest-growing cities in America, in a market where investors are still buying aggressively. You’re in Music City, where the culture and economy are strong. You’re in a place where demand is high and inventory is low.

That means your home, even in pre-foreclosure, has significant value to someone. And that value might be your way out of this situation.

The Weight You’re Carrying Right Now

Let’s just be honest about what you’re going through: this is heavy. You’re probably not sleeping well. Every time the phone rings and you don’t recognize the number, your stomach drops. You avoid checking the mail because you’re scared of what might be waiting in the mailbox. You’ve run the numbers a hundred times, trying to figure out how to make it work, but the math just doesn’t add up.

Maybe you’ve thought about asking family for help, but you don’t want to burden them or admit you’re struggling. Maybe you’re embarrassed because it feels like everyone else in Nashville is thriving—buying investment properties, starting businesses, living the dream—while you can’t even keep your house. If you’re married, this might be causing tension in your relationship—money stress always does. If you’re on your own, the isolation might be crushing because you feel like you have no one to talk to about it.

Maybe you drive through the new developments—past The Gulch, through Germantown, along West End—and feel like a complete failure. Maybe you see all the out-of-state license plates, all the people moving here from expensive cities who think Nashville is affordable, and you want to scream because this is your home and you’re being priced out of it.

Maybe you’re a Nashville native and you feel a particular kind of grief—losing not just your house but your place in a city that’s changing so fast you barely recognize it. Maybe you moved here chasing the dream, and now the dream feels like a nightmare.

You might be praying about it, trying to have faith, asking God why this is happening when you’ve worked so hard—and some days that brings peace, and some days the fear and anger win.

Here’s what we want you to know: This situation doesn’t define who you are. You’re not a failure. You’re not irresponsible. You’re not less-than. You’re a person facing an incredibly difficult situation in one of the most expensive, fastest-changing housing markets in the country, and you’re trying to figure out the best path forward.

The fact that you’re reading this right now means you’re actively looking for solutions. That takes courage. Many people in your situation simply shut down, ignore the problem, and hope it goes away. You’re not doing that. You’re here, you’re reading, you’re thinking. That matters.

Your Options

There’s no urgency here. No one’s going to push you into anything. We just want you to understand what’s actually possible, because sometimes knowing you have choices makes it easier to breathe and think clearly.

Option 1: Catch Up on Payments

If you’ve come into some money—maybe an inheritance, a bonus at work, help from family—you can pay what you owe and get your account current. This stops the foreclosure process immediately. If this is realistic for you, great. Problem solved.

But if you’re reading this page, it’s probably because that’s not an option right now. And that’s okay. There are other paths forward.

Option 2: Loan Modification or Forbearance

You can try working directly with your lender to modify your loan. Sometimes they’ll lower your payment, extend the term, defer some of what you owe, or in rare cases even reduce the principal. Sometimes they’ll agree to forbearance, which means you pause or reduce payments temporarily while you get back on your feet.

This can work, but it’s slow. There’s extensive paperwork. Lots of phone calls. Long wait times. And there’s no guarantee they’ll approve it—they’re under no obligation to help.

If you want to try this route, we support that. But understand it takes time, and time might be something you’re running short on.

Option 3: Sell Your Home Yourself (Traditional Sale)

If you have equity in your home—and given Nashville’s market, you might—you could list it with a real estate agent and try to sell it the traditional way. You’d pay off the mortgage, cover the closing costs and agent commissions (usually 5-6%), and keep whatever’s left over.

The challenge? Even in Nashville’s hot market, traditional sales take time. You need to get the house ready for showing, stage it, list it, wait for the right offer, and go through inspections and negotiations. If you’re already in pre-foreclosure, you might not have that kind of time. Plus, getting your house “show-ready” can feel overwhelming when you’re already stressed about money.

Option 4: Short Sale

If you owe more on your house than it’s worth—which can happen even in Nashville if you bought at the peak with a minimal down payment or took out too much equity—a short sale might be possible. This is where the bank agrees to let you sell the home for less than the mortgage balance. They take a loss, but it’s better for them than going through foreclosure.

Short sales can help you avoid foreclosure on your credit report, but they’re complicated and slow. The bank has to approve every step, which can take months. And you still have to find a buyer willing to wait through the entire approval process. Many buyers won’t.

Option 5: Sell Directly to a Cash Buyer

This is where we come in, and it’s the option that brings the most relief to people in your situation.

Here’s how it works: We buy houses directly, in any condition, in any situation. You don’t have to fix anything. You don’t have to clean anything. You don’t have to stage it or wait months for the right buyer or deal with bank approval processes.

We look at your home, we look at your situation, and we make you a fair cash offer. If you accept it, we handle all the details—the paperwork, the title work, the closing, everything. You can close in as little as a week or two if you need to move fast, or we can work on your timeline if you need a little more time to make arrangements.

No real estate agent commissions are eating into your proceeds. No closing costs coming out of your pocket. No judgment about your situation or why you’re selling.

You walk away without the weight of the mortgage hanging over you, without the foreclosure on your record, and you can start the next chapter of your life with a clean slate. Maybe you’ll move to a more affordable area of Nashville, or maybe you’ll relocate to somewhere the cost of living makes sense for your income. Either way, you get to make that choice on your terms.

Why People in Nashville Choose This Route

We’ve worked with families all over Davidson County—people with homes in East Nashville, The Gulch, Antioch, Hermitage, Bellevue, and everywhere in between. Here’s what they tell us:

“We just needed it to be over.” The constant stress of waiting, wondering, and dealing with the lender—it was exhausting. Selling quickly gave them immediate peace of mind.

“We got priced out by property taxes.” This is incredibly common in Nashville. As property values have exploded, so have tax assessments. People who bought houses they could afford suddenly can’t afford the annual property tax bills. Selling lets them move to something more manageable.

“We didn’t have the money to fix it up.” Many homes in pre-foreclosure need repairs, and in Nashville’s competitive market, buyers expect move-in-ready condition. Selling to us meant they didn’t have to come up with thousands of dollars they didn’t have.

“We didn’t want it to become public.” A foreclosure sale at the courthouse is a matter of public record. Selling privately is quiet, dignified, and nobody in your neighborhood, at your church, or at your job has to know your business.

“We needed to move somewhere more affordable.” This is probably the most common reason in Nashville right now. People are selling and moving to smaller Tennessee cities, or to states with lower costs of living, where their income goes further and they can rebuild financial stability.

“The neighborhood changed and we wanted out.” This goes both ways in Nashville—some people are in gentrifying neighborhoods where they no longer feel at home, others are in areas that have declined and they want to move to safer, better-maintained communities.

“We’re Nashville natives being pushed out.” This is heartbreaking but real. Longtime residents, often from historically Black neighborhoods, whose families have been here for generations, are being forced out by rising costs and can’t hold on anymore.

“The commute became unbearable.” As Nashville has sprawled and traffic has gotten worse, people who bought in the suburbs to save money find themselves spending hours in traffic and thousands on gas and vehicle maintenance.

“We bought at the peak and realized we were in over our heads.” People who bought in the last few years at record-high prices, sometimes with minimal down payments, who realized they can’t sustain the payments long-term.

What Makes Nashville Special

Let’s talk about this city for a minute, because it deserves recognition.

Nashville was founded in 1779 on the Cumberland River and became the capital of Tennessee in 1843. For most of its history, it was a mid-sized Southern city known primarily as the home of country music. The Grand Ole Opry started broadcasting in 1925. Music Row became the center of the country music industry. The Ryman Auditorium, the “Mother Church of Country Music,” has hosted legends for over a century.

But Nashville has always been more than just country music. It’s home to Vanderbilt University, one of the top universities in the South. It’s a healthcare hub with HCA Healthcare, one of the nation’s largest healthcare companies. It has a significant insurance and banking sector. It’s the “Athens of the South” with the only full-scale replica of the Parthenon in the world, sitting in Centennial Park.

Then came the transformation. In the 2000s and especially after 2010, Nashville exploded. The population boomed. People started moving here from expensive coastal cities. Tech companies opened offices. The skyline filled with cranes. Neighborhoods gentrified seemingly overnight. By 2020, Nashville was one of the hottest real estate markets in America.

Today, Nashville is known for several things:

• Being the country music capital of the world
• The Grand Ole Opry, the Ryman, and Music Row
• Broadway—the neon-lit street of honky-tonks and live music
• One of the fastest-growing cities in America
• A booming healthcare and business center
• Hot chicken and meat-and-three restaurants
• The NFL’s Tennessee Titans and NHL’s Nashville Predators
• An increasingly diverse economy with tech, healthcare, tourism, and more
• A cost of living that’s skyrocketed but is still lower than coastal cities
• A metro population of nearly 2 million people

This is a city with momentum. A city where opportunity exists but increasingly only for those who can afford it. A city that’s losing some of its character as it grows but still retains that Southern hospitality and music in its soul.

If your home is part of this place—whether it’s in a historic neighborhood with deep roots, in one of the redeveloped areas, in a suburb that’s exploding with growth, or anywhere in this remarkable city—it has value. Real value to someone who’s looking for what Nashville offers.

And that includes us.

No Pressure. No Games. Just Honest Help.

We’re not here to pressure you into anything. We’re not going to tell you that you have to decide today, or that this is your only chance, or any of the high-pressure tactics you might have experienced from other companies. That’s not how we work, and it’s not how we’d want to be treated if we were in your shoes.

What we are here to do is give you an option that might bring some relief. If you want to talk, we’ll listen without judgment. If you want to ask questions, we’ll answer them honestly and completely. If you need time to think about it and talk it over with family, take all the time you need.

This is your home. Your decision. Your life. We’re just here to help if that’s what you want.

What Happens If You Reach Out

If you decide to call or fill out the form on this page, here’s exactly what happens next:

1. We’ll have a conversation. No pressure, no sales pitch. Just an honest talk about your situation, your home, what you owe, and what you’re hoping to accomplish.
2. We’ll come look at your property. If you’re comfortable with it, we’ll schedule a time to come by and see the house. We’ll ask some questions about the condition, the neighborhood, your timeline, and what’s important to you.
3. We’ll make you a fair cash offer. Usually within 24-48 hours, we’ll come back with an offer in writing. No obligation whatsoever. If it works for you, wonderful. If it doesn’t, that’s completely okay too.
4. You take whatever time you need to decide. Think about it. Pray about it. Talk it over with your spouse, your kids, your parents, your trusted friends. Sleep on it. We’ll be here when you’re ready.
5. If you accept, we take care of everything. We work with a local title company, we handle all the paperwork and legal details, and we make the process as smooth and stress-free as possible. You don’t have to worry about a single thing.

This Isn’t the End of Your Story

Whatever happens with this house, it’s not the end of your story. You’re going to be okay. Maybe that’s hard to believe right now, but it’s true.

Losing a home is painful, especially in a city like Nashville where housing has become such a charged issue, where being priced out feels like a personal failure even though it’s a systemic problem affecting thousands of people. But it’s not the total of who you are or what you’re capable of building in the future.

People come back from this. People rebuild their lives and their credit. People find new places to call home—sometimes in Nashville, sometimes in more affordable parts of Tennessee, sometimes in other states where they can breathe easier financially. You will too. You’re stronger than you think, and you have more resources—internal and external—than you probably realize right now.

Right now, you just need to take the next step. And if that next step is reaching out to us to explore your options, we’ll be here to walk through it with you.

Frequently Asked Questions

What is pre-foreclosure and how does it work?

Pre-foreclosure is that window of time between when you fall behind on your mortgage and when your home is actually sold at auction. It’s the warning phase—the bank has started the foreclosure process, but your home still legally belongs to you. Here in Tennessee, this typically starts after you’ve missed several payments and your lender sends formal notices of default. During pre-foreclosure, you still live in your home, you still own it, and most importantly, you still have the power to decide what happens next. In Davidson County, you’ll see the notice published in a local newspaper (typically for three consecutive weeks), and by law you must receive at least 20 days’ notice before any sale can take place. This window is your opportunity—you can catch up on payments if possible, work out a deal with your lender, or sell the property on your own terms before the bank takes control. Pre-foreclosure feels terrifying because the language in the letters is intimidating and official, but it’s actually the period when you still have the most options and the most control over the outcome.

Can I sell my house during pre-foreclosure?

Absolutely, yes. And honestly, selling during pre-foreclosure is often the smartest decision you can make. It’s completely legal and actually quite common. Your home is still yours until that auction actually happens, which means you have every right to sell it just like any other time—the only difference is you need to move faster than a traditional sale typically allows. Here in Nashville, even in this hot market, if you listed your home in East Nashville or Green Hills with a regular real estate agent, you’d need to get it show-ready, stage it, wait for showings, negotiate offers, go through inspections—all of which takes time you might not have. When you’re in pre-foreclosure, you don’t have months to wait, and you probably don’t have the money or emotional energy to prepare your house for the competitive Nashville market. That’s exactly why selling directly to a cash buyer makes sense for so many people in your situation. We can close in as little as 7-10 days if needed, which gives you plenty of time to pay off the mortgage before the foreclosure sale happens. You walk away without the foreclosure hitting your credit report, and you’re not scrambling in panic at the last possible moment. Plenty of homeowners throughout Davidson County have sold during pre-foreclosure and moved forward with their dignity and credit intact.

How long do I have before my house goes to foreclosure?

The honest answer is: it depends on exactly where you are in the process, and Tennessee’s timeline can move relatively quickly. Once your lender begins the formal foreclosure process and publishes the required notices, you must receive at least 20 days’ notice before the sale. But here’s what people don’t always realize—by the time you receive that notice, you’ve usually already been behind for several months. Most lenders don’t start foreclosure proceedings until you’re 90-120 days delinquent. So from your very first missed payment to the actual foreclosure auction, you might have four to six months total, but Tennessee’s non-judicial process can move faster than in some other states. Once the official notices go out, the clock is really ticking. If you’re reading this and you’ve already received official foreclosure notices, don’t waste another week hoping things will magically work themselves out. You probably have a few weeks, maybe a month or two at most. That’s enough time to sell your home if you act now, but it’s not enough time to procrastinate or keep waiting for the perfect solution to appear. Every day you wait is a day closer to losing your options entirely. If you’re earlier in the process—maybe you’ve just received your first default letter—you have more breathing room, but you should still treat it seriously and start exploring your options right now while you still have time to make good decisions.

Will selling my house in pre-foreclosure stop foreclosure?

Yes, it absolutely will—if you sell in time and for enough to cover what you owe on the mortgage. When you sell your home and the mortgage gets paid off completely, the foreclosure process stops immediately because there’s nothing left to foreclose on. The debt is satisfied, the bank gets its money, you get whatever’s left over, and you’re done. Your credit will show the late payments you already made, but you avoid the actual foreclosure, which is far more damaging and stays on your credit report for seven years. Even if your home is worth less than what you owe—which can happen even in Nashville’s hot market if you bought at the peak with a minimal down payment—selling can still stop foreclosure if your lender agrees to a short sale, where they accept less than the full mortgage balance. We’ve helped homeowners in Nashville and throughout Davidson County do exactly this—we negotiate with their bank so they can sell, pay off what they can, and walk away without the foreclosure hanging over their head like a dark cloud. The key is acting while you still have time on your side. Once that auction date is set and you’re down to the final few days, it becomes much harder and sometimes impossible to pull off. But if you reach out early enough in the process, selling your home is absolutely an effective way to stop foreclosure in its tracks and move forward with a much cleaner financial slate.

What happens if I do nothing during pre-foreclosure?

If you do nothing, the process moves forward on its own timeline, and it doesn’t end well for you. Your lender will continue with the foreclosure proceedings, your home will be sold at public auction—typically at the Davidson County Courthouse in downtown Nashville—and you’ll lose the house. Depending on what the property sells for at auction and how much you owed, you might still owe money after it’s gone—Tennessee allows what are called deficiency judgments, which means if your house sells for less than your remaining mortgage balance, the bank can sue you for the difference. So you lose your home and potentially still owe thousands of dollars. The foreclosure goes on your credit report and destroys your credit score, making it incredibly difficult to rent a decent place in Nashville’s expensive rental market, get approved for a car loan, or qualify for another mortgage for at least seven years. If you’re still living in the house up until the sale, you’ll eventually be forced to leave, and if you don’t leave voluntarily, the new owner can start eviction proceedings against you. Beyond the financial and legal consequences, there’s the emotional and social toll. A foreclosure sale is public record, and in a city where networking and reputation matter for careers and opportunities, the impacts can be far-reaching. On a personal level, doing nothing usually comes from feeling completely paralyzed—overwhelmed, ashamed, not knowing where to turn for help—but that paralysis only makes the outcome worse. The hardest part is taking that first step and making that first phone call, but once you do, you’ll find there are more options available than you realized. Doing nothing guarantees the worst possible outcome. Doing something—even if it’s just reaching out to have a conversation—opens up real possibilities for a better ending to this chapter.

Will selling to you hurt my credit less than a foreclosure?

Yes, significantly. A foreclosure stays on your credit report for seven years and causes massive damage to your credit score—often dropping it by 200-300 points or more. Selling your home, even when you’re behind on payments, shows that you took responsibility and resolved the debt. You’ll still have a record of the late payments you made, which does affect your score, but it’s nowhere near as devastating as an actual foreclosure. Many lenders view someone who sold their home to avoid foreclosure much more favorably than someone who let it go all the way to auction. It shows character and responsibility even in difficult circumstances.

What if I owe more than the house is worth?

We can still help. Sometimes we can work directly with your lender to negotiate what’s called a short sale, where they agree to accept less than the full payoff amount. We’ve done this many times and understand how to navigate the process. It takes some time and paperwork, but it’s absolutely possible, and it’s still much better for your credit than a foreclosure.

Do I have to pay any fees or commissions?

No. We don’t charge any fees, and there are no real estate agent commissions. We make you an offer, and if you accept it, that’s the amount you receive. We handle all the closing costs on our end. What we offer is what you get.

How quickly can we close?

As fast as you need us to. We can close in as little as 7-10 days if time is critical and you’re up against a foreclosure deadline. Or we can wait a few weeks if you need more time to figure out your next living situation and make moving arrangements. We work on your timeline.

What if my house needs a lot of work?

Doesn’t matter to us at all. We buy houses in any condition. We’ve bought homes that needed new roofs, new HVAC systems, foundation repairs, complete renovations—you name it, we’ve seen it and bought it. You don’t have to fix a single thing or spend a single dollar on repairs to compete in Nashville’s competitive market.

Can I stay in the house for a little while after we close?

In many cases, yes. If you need a few extra days or even a couple of weeks after closing to move out and get settled somewhere else, we can often work that into the agreement. Just let us know what you need, and we’ll do our best to accommodate your situation.

What parts of Nashville do you cover?

All of it. Whether you’re in East Nashville, West Nashville, North Nashville, South Nashville, The Gulch, Germantown, Green Hills, Bellevue, Hermitage, Antioch, Madison, Donelson, or anywhere else in Davidson County, we’re interested in helping. We work throughout the entire Nashville metro area.

Take a Breath. You’ve Got This.

You’ve made it all the way through this page, which means you’re seriously thinking about your options and looking for a way forward. That’s good. That’s really, really good.

Whatever you decide to do, please know that you’re not alone in this. Thousands of people in Nashville have been exactly where you are right now, facing the same fear and uncertainty about being priced out of this city, and they found a way through. You will too.

If you want to talk with someone who will listen without judgment and help you understand your options, we’re here. No pressure. No sales tactics. Just an honest conversation about what might be possible for you.