Pre-Foreclosure Help in North Little Rock, Arkansas

Facing Pre-Foreclosure In North Little Rock: What Would It Need To Look Like To Keep You Home?

If you’re behind on payments in North Little Rock, it probably feels like the walls are closing in and you’re carrying it alone—but you’re not. It’s not wild to still hope you could keep your home or at least walk away with dignity and a clear plan. My role isn’t to pressure you; it’s to listen, understand what this situation really feels like for you, and walk you step‑by‑step through your options—whether that means catching up, working with the bank, selling, or talking with another professional who’s a better fit.

What Pre-Foreclosure Feels Like in North Little Rock

In a city of nearly 65,000 people—big enough to be the 6th largest in Arkansas but still connected enough that neighborhoods know each other—struggling financially can feel particularly isolating. You worry about running into someone at McCain Mall or at a Travelers game. You wonder if neighbors in Park Hill or Lakewood or Indian Hills have noticed the certified letters. You might avoid certain places because you don’t want to have to pretend everything’s fine when it’s not.

If you work at the VA Medical Center at Fort Logan H. Roots, or at one of the businesses along McCain Boulevard, or if you commute across the river to Little Rock, you know how expenses add up. Maybe you bought your home when Argenta was being revitalized and property values were climbing. Or maybe you’ve been in your house for decades, since before the Old Mill became famous, and something happened—medical bills, job loss, helping family—and suddenly you’re behind.

And here’s what’s crucial 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 breathe, think clearly, and make decisions that work for you and your family.

How Foreclosure Actually Works in Arkansas

Let’s walk through what’s really happening with the foreclosure process, because understanding it helps reduce some of the fear. In Arkansas, most foreclosures are “non-judicial,” which means your lender doesn’t have to go through the court system to foreclose on your home. This makes the process move faster than in some other states.

Here’s the typical timeline:

The Arkansas Foreclosure Timeline

When You First Miss a Payment: Nothing dramatic happens immediately. The bank sends notices. You get phone calls. But they’re not rushing to foreclose—it’s expensive and time-consuming for them, so they’d rather work something out with you.

After 30-90 Days: The letters get more serious and official. You start seeing legal language like “default notice” or “intent to accelerate the debt.” This is where many people start to panic and avoid opening their mail. But you still have time to respond and act.

The Notice of Default and Intent to Sell: Under Arkansas law, your lender must send you written notice before it can sell your home. This notice must give you at least 30 days and must clearly state:

• The total amount you owe
• The deadline by which you must pay to bring your account current
• A statement that if you don’t pay by that deadline, they intend to sell the property

This notice typically comes by certified mail to your last known address. If you’re still living in your home in Park Hill, or near Burns Park, or downtown near Argenta, or anywhere in the city, you’ll get it. This is your official warning.

The Publication Requirement: Here in Pulaski County, the lender also has to publish a notice of the foreclosure sale in a local newspaper once a week for two consecutive weeks. The first publication must happen at least 20 days before the scheduled sale date. 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 public auction. In Arkansas, this typically happens at the county courthouse. For Pulaski County, that’s at the courthouse just across the river in Little Rock.

The sale is public, usually held on a weekday morning. Your home is sold to the highest bidder—sometimes that’s the bank itself buying it back, sometimes it’s an investor looking for properties.

After the Sale: Once your home is sold at auction, you typically have to move out quickly. Arkansas doesn’t offer a long redemption period as some states do. What’s done is done, and it happens fast.

Here’s What Most People Don’t Realize

The non-judicial process can move faster than you think. But here’s the important 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 pressuring you—we’re not—but because the earlier you take action, the more choices you have and the better your outcome is likely to be.

Why North Little Rock Homes Are Different

Your home here isn’t like a house in a newer Arkansas suburb without history or character. North Little Rock properties are part of something with deep roots—a city that was here before Little Rock was named, that fought to be its own place, that’s revitalized while keeping its soul.

If you’re in Park Hill or Lakewood—those historic suburban developments from the 1920s—you might live in one of those beautiful homes with character and mature trees. If you’re near Argenta, you’re part of the arts district renaissance. If you’re closer to Burns Park, you know the value of having 1,700 acres of recreation practically in your backyard. If you’re in the Indian Hills or Sherwood area, you’re in neighborhoods where families have put down roots.

Maybe you’ve got a place with a view of the Arkansas River, or a home near Simmons Bank Arena where you’ve seen concerts and events, or a house in one of the neighborhoods where you can walk to the Riverwalk.

These aren’t just addresses. They’re places with memories—watching Fourth of July fireworks from the Big Dam Bridge, taking kids to the Old Mill to see where “Gone with the Wind” was filmed, summer nights at Travelers games, exploring the submarine at the Maritime Museum.

And here’s what matters right now: properties in North Little Rock have real value, even if you’re behind on payments, even if the house needs work. You’re in the 6th largest city in Arkansas with nearly 65,000 people. You’re right across the river from the state capital with easy access via bridges and the free METRO streetcar. You’re home to one of the largest municipal parks in America, a thriving arts district, and a beautiful minor league ballpark. People want to live here—families looking for more space and better value than Little Rock, young professionals who want the urban benefits without the city prices, and retirees wanting access to the VA medical center and outdoor recreation.

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

The Weight You’re Carrying Right Now

Let’s be completely honest about what you’re going through: this is overwhelming. You’re probably not sleeping well. Every time you drive past the Old Mill or through Argenta or across the Broadway Bridge into Little Rock, you feel the weight of what’s happening. Every unknown phone call makes your stomach drop. You avoid checking the mail because you’re terrified of what might be there.

You’ve done the math a hundred times. You’ve stayed up late going over the numbers, trying to figure out where the money could come from. But the numbers just don’t work, and that reality is crushing.

Maybe you’ve thought about asking family for help, but pride won’t let you, or you don’t want to burden them with your problems. Maybe you’re embarrassed because you work at the VA medical center or in Little Rock and feel like you should have your life more together. In a city where neighborhoods are tight-knit and people see you at Burns Park or Dickey-Stephens Park or shopping at McCain Mall, it feels like there’s nowhere to hide. If you’re married, this is probably causing serious tension in your relationship. If you’re on your own, the isolation might feel unbearable.

You might be praying about it, asking God for guidance, trying to maintain faith that somehow this will work out—and some days that brings peace, and some days the fear just overwhelms everything else.

Here’s what we need you to hear: This situation doesn’t define who you are. You’re not a failure. You’re not irresponsible. You’re not less worthy than the people whose houses still look perfect or who seem to have it all together. You’re a person facing an incredibly difficult situation, and you’re trying to figure out the best way forward.

The fact that you’re reading this right now—that you’re actively looking for information and solutions instead of just giving up—shows real courage. A lot of people in your situation just shut down, ignore the problem, and hope it somehow goes away. You’re not doing that. You’re here, you’re reading, you’re trying to understand your options. That matters more than you probably realize.

Your Options

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

Option 1: Catch Up on Payments

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

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

Option 2: Loan Modification or Forbearance

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

This can work, but it’s slow and bureaucratic. There’s extensive paperwork. Long phone calls and wait times. Waiting for decisions that might never come. And there’s no guarantee they’ll approve anything—they’re under no legal obligation to help you.

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

Option 3: Sell Your Home Yourself

If you have equity in your home—meaning it’s worth more than you owe—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 (typically 5-6% of the sale price), and keep whatever’s left over.

The challenge? Traditional sales take time. Even in North Little Rock where there’s steady demand because of the location and value compared to Little Rock, it could take weeks or months to find the right buyer. And if you’re already in pre-foreclosure, you might not have that kind of time. Plus, getting your house “show ready”—making repairs, keeping it spotless for showings, dealing with inspections and appraisals—can feel absolutely overwhelming when you’re already stressed about money and worried about the future.

Option 4: Short Sale

If you owe more on your house than it’s currently worth, a short sale might be an option. This is where the bank agrees to let you sell the home for less than the full mortgage balance. They take a financial loss, but it’s still better for them than going through the entire foreclosure process.

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

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 for showings or wait months hoping for the perfect buyer or deal with complicated 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 quickly, or we can work on your timeline if you need more time to arrange your next living situation and coordinate the move.

No real estate agent commissions are eating into your proceeds. No closing costs coming out of your pocket. No judgment about your situation or how you got here. No questions about why you’re selling or what went wrong.

You walk away without the crushing weight of the mortgage hanging over you, without the foreclosure on your record damaging your credit for seven years, and you can start the next chapter of your life with a clean slate and your dignity intact.

Why People in North Little Rock Choose This Route

We’ve worked with families all over Pulaski County and throughout North Little Rock—people in Park Hill, people near Burns Park, people downtown near Argenta, people in Indian Hills, and the Sherwood area. Here’s what they consistently tell us:

“We just needed it to be over.” The constant stress of waiting, wondering when the foreclosure would happen, dealing with the bank’s endless bureaucracy—it was too much. Selling quickly gave them immediate peace of mind and let them move forward with their lives.

“We didn’t have the money to fix it up.” Many homes in pre-foreclosure need repairs or updates, especially older homes in historic neighborhoods like Park Hill and Lakewood. Selling to us meant they didn’t have to come up with thousands of dollars they didn’t have for repairs before they could sell.

“We didn’t want everyone in North Little Rock to know.” In a city where neighborhoods are tight-knit and people see each other at Burns Park, at Travelers games, at church, at community events, a foreclosure sale feels painfully public. Selling privately kept their business private and dignified.

“We wanted to stay on the north side.” Some folks needed to sell but wanted to stay in North Little Rock because of work at the VA, because their kids were in school here, or because this is just home. A quick sale made that possible without months of stress.

“The historic home was too much to maintain.” Beautiful older homes in neighborhoods like Park Hill can be expensive to keep up. Selling let them move to something more manageable while staying in the area.

What Makes North Little Rock Special

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

In 1722, French explorer Bernard de la Harpe was traveling up the Arkansas River when he spotted a prominent rock bluff on the north bank—the first significant formation he’d seen. He called it “La Roche des Français” (The Rock of the French). That big rock became a landmark for river travelers for over a century. When settlers eventually built a town on the south bank near a smaller rock formation, they called it “Little Rock.” Your city—the north side—was named first.

For years, the area that’s now North Little Rock was the 8th Ward of Little Rock. In 1904, residents voted to incorporate as their own city and took the name “Argenta” from the silver (argentum in Latin) found in the area. But confusion with Argentina led to a name change in 1917, and it became North Little Rock—though many locals still affectionately call downtown “Argenta.”

In the 1930s, a Mexican-born artist named Dionicio Rodriguez was commissioned to create a recreation of an old water-powered mill using his unique technique of sculpting concrete to look exactly like wood, stone, and other natural materials—a technique called faux bois. The result was the Old Mill in what’s now T.R. Pugh Memorial Park. In 1939, that structure appeared in the opening credits of “Gone with the Wind,” and it remains the only structure from that film still standing anywhere. Today, it’s the most photographed place in all of Arkansas and sits on the National Register of Historic Places.

Burns Park opened in 1950 and grew to become one of the largest municipal parks in the entire United States—over 1,700 acres of trails, disc golf courses, sports facilities, the Funland amusement park, and natural beauty. It’s a treasure that defines North Little Rock’s commitment to recreation and family life.

Fort Logan H. Roots, established in 1921, has served as a Veterans Administration medical center, providing care to veterans for over a century. The presence of the VA medical center has made North Little Rock a welcoming community for military families and veterans.

In 2007, Dickey-Stephens Park opened on the Arkansas River as the new home of the Arkansas Travelers AA baseball team. With stunning views of the Little Rock skyline and the river, it’s consistently ranked among the best minor league ballparks in America and has become a beloved gathering place for families.

The Arkansas Inland Maritime Museum, home to the USS Razorback submarine that served in World War II and was present at both Pearl Harbor and Tokyo Bay, gives visitors a chance to experience naval history firsthand. It’s the only place in Arkansas where you can tour a WWII submarine.

Downtown Argenta has undergone a remarkable renaissance. The Argenta Arts District now thrives with galleries, theaters, restaurants, and small businesses filling historic buildings. Argenta Drug Store, operating continuously since 1887, is the oldest pharmacy west of the Mississippi River—a living piece of history.

This is North Little Rock—a city that’s always had its own identity, even when people tried to lump it in with Little Rock. A city where “Gone with the Wind” was filmed. Where one of America’s largest parks gives families room to breathe. Where history lives in the buildings downtown and the bluff overlooking the river.

If your home is part of this place—whether it’s in historic Park Hill, near the energy of Argenta, by the sprawling Burns Park, or in one of the neighborhoods that make up this diverse city—it has value. Real value to someone who wants what North Little Rock 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 last chance, or use any of the high-pressure sales tactics you might have experienced with other companies. That’s not how we operate, and it’s not how we’d want to be treated if our positions were reversed.

What we are here to do is offer you an option that might bring some relief and help you move forward with your life. If you want to talk, we’ll listen without any judgment. If you have questions, we’ll answer them honestly and completely. If you need time to think it over and discuss it with family, take all the time you need.

This is your home. Your decision. Your life. Your story. 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 sales pitch, no pressure, no manipulation. Just an honest discussion 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 that works for you 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 in this process.
3. We’ll make you a fair cash offer. Usually within 24-48 hours, we’ll present you with an offer in writing. No obligation whatsoever. If it works for you and your situation, wonderful. If it doesn’t, that’s completely fine too. No hard feelings either way.
4. You take whatever time you need to decide. Think about it. Pray about it. Talk it over with your spouse, your family, your trusted advisors. Sleep on it for a few days if you need to. We’ll be here whenever you’re ready, without any pressure.
5. If you accept, we handle everything. We work with a local title company, we take care of all the paperwork and legal requirements, and we make the process as smooth and stress-free as humanly possible. You don’t have to worry about a single detail.

This Isn’t the End of Your Story

Whatever happens with this house, it’s not the end of your story or your connection to this community. You’re going to be okay. That might be hard to believe when you’re in the middle of this storm, but it’s absolutely true.

Losing a home is one of the hardest things a person can go through, especially in a place like North Little Rock where community and neighborhoods and history are so deeply connected. But this moment doesn’t define who you are or what you’re capable of achieving in the future.

People come back from this. People rebuild their lives, their credit, their sense of home and belonging. People find new places to live, new communities to be part of, new rhythms and routines, and new peace. You will too. You have more resilience, more strength, and more resources than you probably realize right now when everything feels dark.

Right now, you just need to take the next step. And if that next step is reaching out to us to explore your options and see if we can help, we’ll be here.

Frequently Asked Questions

What is pre-foreclosure and how does it work?

Pre-foreclosure is that critical window of time between when you fall behind on your mortgage payments and when your home is actually sold at public auction at the Pulaski County courthouse. Think of it as the warning phase—the bank has started the legal foreclosure process, but your home still legally belongs to you and you still have the power to make decisions about what happens next. Here in Arkansas, this process typically begins after you’ve missed several monthly payments and your lender sends you an official Notice of Default and Intent to Sell, which by law must give you at least 30 days before any sale can happen. During the pre-foreclosure period, you still live in your home, you’re still the legal owner on the deed, and most importantly, you still have options and control over the outcome. In Pulaski County, you’ll see the foreclosure notice published in a local newspaper for two consecutive weeks, and that publication has to happen at least 20 days before the scheduled auction date. This window of time—which can be anywhere from a few weeks to a few months depending on where you are in the process when you take action—is your opportunity to do something about the situation. You can catch up on payments if you’re able to come up with the money, you can try to work out an arrangement with your lender for modified terms, or you can sell the property on your own terms before the bank takes control and auctions it off to the highest bidder at that public sale. Pre-foreclosure feels absolutely terrifying because the legal language in all those certified letters makes it sound final and inevitable, like there’s nothing you can do to stop it, but that’s actually not true at all. It’s the period when you still have the most options, the most control, and the best chance of protecting yourself and your credit. The key is recognizing that you’re in pre-foreclosure and taking some kind of action while you still have time to act, rather than letting fear, shame, and overwhelm paralyze you into doing nothing and just hoping somehow the problem will go away on its own, which it never does.

Can I sell my house during pre-foreclosure?

Absolutely yes, one hundred percent, and in fact selling during pre-foreclosure is often one of the smartest and most effective decisions you can make to protect yourself and your future. It’s completely legal, it’s completely common throughout North Little Rock and Pulaski County, and it can save you from having a foreclosure on your credit report for the next seven years. Your home is still legally yours until that auction actually takes place at the courthouse, which means you have every right to sell it just like you would at any other time—the only real difference is that you need to move faster than a traditional sale typically allows because you’re working against the foreclosure timeline. Here in North Little Rock, if you listed your home in Park Hill or near Burns Park or downtown near Argenta with a regular real estate agent, you’d probably have to wait several weeks or even several months for the right buyer to come along, and your house would need to be in good showing condition throughout that entire time with repairs made and everything kept spotless. But when you’re in pre-foreclosure, you don’t have months to wait around hoping for the perfect buyer who’ll pay top dollar, and you probably don’t have the money sitting around or the emotional energy to make repairs, stage the house perfectly, and keep it show-ready for potential buyers who might or might not make an offer. That’s exactly why selling directly to a cash buyer makes so much sense for people in your situation. We can close the sale in as little as 7-10 days if time is absolutely critical and you’re up against a tight foreclosure deadline, which gives you plenty of time to pay off the mortgage in full before the foreclosure sale happens. You walk away without the foreclosure hitting your credit report and damaging your score for seven years, which would make it incredibly difficult to rent, get approved for a car loan, or buy another home. You’re not scrambling in a complete panic at the last possible moment. Plenty of homeowners throughout North Little Rock and Pulaski County have sold their homes during pre-foreclosure and moved forward with their dignity and their credit relatively intact, ready to rebuild and start fresh.

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

The honest answer is that it depends on exactly where you are in the process right now, but Arkansas doesn’t give you as much time as some other states do, so you need to take this situation seriously and act while you still can. Once your lender sends you that official Notice of Default and Intent to Sell, Arkansas law requires them to give you at least 30 days before they can schedule the auction. But here’s what many people don’t realize and what catches them off guard—by the time you actually receive that official notice in your mailbox, you’ve usually already been behind on your payments for several months. Most lenders don’t start formal foreclosure proceedings until you’re somewhere between 90 and 120 days delinquent because they’re trying to work with you and because foreclosure is expensive and time-consuming for them as well. So from your very first missed payment all the way to the actual foreclosure auction at the courthouse, you might have four to six months total in the entire timeline. But the second half of that timeline—once you’ve received the official notice—moves very quickly and accelerates dramatically. Once that notice gets published in the newspaper for two consecutive weeks as required by Arkansas law, you’re really down to the final countdown and your options start disappearing fast. If you’re reading this right now and you’ve already received that official notice with a sale date scheduled, don’t waste another single week hoping things will magically work themselves out or that some miracle will fall from the sky at the last moment. You probably have a few weeks left, maybe a month or two at the absolute most depending on when exactly the sale is scheduled. That’s enough time to sell your home and get out from under this if you act right now today, but it’s definitely not enough time to procrastinate, avoid dealing with the problem, or keep waiting for the perfect solution to appear. Every single day you wait and do nothing is one day closer to losing all your options completely. If you’re earlier in the process—maybe you’ve just received your first default letter or you’re still in that 60-90 day delinquent stage—you have more breathing room to figure things out and explore your options carefully, but you should still treat it with the seriousness it deserves and start taking action now while you still have some control over the situation and the outcome.

Will selling my house in pre-foreclosure stop foreclosure?

Yes, it absolutely will stop the foreclosure completely—if you sell in time and for enough money to cover what you owe on the mortgage. When you sell your home and use the proceeds to pay off the mortgage in full, the foreclosure process stops immediately and completely because there’s literally nothing left for the bank to foreclose on. The debt is satisfied, the bank gets their money back, you get whatever equity remains after paying off the loan and the closing costs, and the whole nightmare is finally over. Your credit report will show the late payments you already made before you sold the house, and those do negatively affect your credit score, but you avoid the actual foreclosure itself, which is far more damaging to your credit and stays on your credit report for a full seven years making it extremely difficult to buy another home, rent a decent place, or even get approved for a car loan. Even if your home is worth less than what you currently owe on it—which happens more often than people think, especially if you bought during a high market period or if you took out a second mortgage or home equity loan at some point—selling can still stop the foreclosure if your lender agrees to what’s called a short sale, where they accept less than the full mortgage balance because it’s still financially better for them than going all the way through the foreclosure process and auction. We’ve helped many homeowners in North Little Rock and throughout Pulaski County do exactly this kind of transaction—we negotiate directly with their bank or mortgage company on their behalf so they can sell the property, pay off what they realistically can, and walk away without the foreclosure hanging over their head like a dark cloud for the next seven years. The absolute key to making this work successfully is acting while you still have some time on your side. Once that auction date is set and you’re down to the final few days before the scheduled sale, it becomes much harder and sometimes completely impossible to coordinate everything and get it done in time. But if you reach out to us early enough in the pre-foreclosure process while you still have a few weeks or a month or more, selling your home is absolutely an effective and proven way to stop the foreclosure in its tracks and move forward with a much cleaner financial slate and your dignity intact.

What happens if I do nothing during pre-foreclosure?

If you do nothing at all and just let the process run its course without taking any action to stop it, it doesn’t end well for you, and the consequences are serious, long-lasting, and painful. Your lender will continue with the foreclosure proceedings exactly as scheduled, your home will be sold at public auction at the Pulaski County courthouse, and you’ll lose the house completely. Depending on what the property actually sells for at auction and how much you owed on the mortgage, you might still owe money even after losing your home—Arkansas law allows what are called deficiency judgments, which means if your house sells at auction for less than your remaining mortgage balance, the bank can sue you personally for the difference and potentially garnish your wages or your bank accounts to collect it. So you lose your home and you might still owe thousands of dollars that you definitely don’t have. The foreclosure goes on your credit report and absolutely destroys your credit score, typically dropping it by 200-300 points or even more, making it incredibly difficult for the next seven years to rent a decent apartment, get approved for a car loan, qualify for another mortgage, or sometimes even get certain jobs that check credit as part of their hiring process. If you’re still living in the house right up until the foreclosure sale happens, you’ll be forced to move out, and if you don’t leave voluntarily after the sale is complete, the new owner can start eviction proceedings against you, which adds another black mark to your record and makes it even harder to find housing. Beyond just the financial and legal consequences that will follow you for years, there’s the emotional and social toll of foreclosure, especially in a community like North Little Rock where neighborhoods are tight-knit and people see each other at Burns Park, at Travelers games, at church, at community events. A foreclosure sale is public record—the notice gets published in the newspaper, people might see it, neighbors might notice when you suddenly have to move out, and in a city this size where connections matter it’s harder to keep it private and anonymous. On a deeply personal level, doing nothing and letting it happen usually comes from feeling completely paralyzed and overwhelmed by the situation—feeling ashamed, not knowing where to turn for help, being too scared or too proud to reach out and ask for assistance, hoping somehow it will just go away or fix itself. But that paralysis and avoidance only makes the outcome worse in every possible way. The hardest part is taking that first step and making that first phone call to actually do something about the situation, but once you do take that step, you’ll discover there are more options available and more people willing to help than you realized. Doing nothing absolutely guarantees the worst possible outcome for you and your family. Doing something—even if it’s just reaching out to have an honest conversation about your situation—opens up real possibilities for a better ending to this difficult chapter of your life.

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

Yes, significantly and measurably less damage to your credit. A foreclosure stays on your credit report for a full seven years and causes massive, devastating, long-term damage to your credit score—often dropping it by 200-300 points or even more depending on where your score started. Selling your home, even when you’re behind on payments and even when you’re in pre-foreclosure, shows that you took responsibility for the situation and resolved the debt rather than just walking away and abandoning it. You’ll still have a record of the late payments you made before you sold the house, and those late payments do negatively affect your credit score, but the impact is nowhere near as catastrophic as an actual foreclosure sitting on your record. Many lenders, landlords, and even employers who check credit view someone who proactively sold their home to avoid foreclosure much more favorably than someone who just let it go all the way to auction without trying to resolve it. It demonstrates character, responsibility, problem-solving ability, and integrity even in extremely difficult financial circumstances. That distinction can make a real, tangible difference when you’re trying to rent your next place, apply for a car loan, or start rebuilding your financial life in the months and years after this is over.

What if I owe more than the house is worth?

We can still help you even if you’re underwater on your mortgage, and this situation is actually much more common than you might think—you’re definitely not alone in this. 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 mortgage payoff amount because it’s still financially better for them than going through the entire foreclosure process, hiring attorneys, maintaining the property, and auctioning it off. We’ve successfully done this many times with banks and mortgage companies of all sizes, and we understand how to navigate the process, what documentation they typically need, how long it usually takes, and how to present your situation in a way that’s most likely to get approved. It does take some time and patience because the bank has to review everything and make an approval decision, but it’s absolutely possible and realistic, and it’s still much, much better for your credit score and your financial future than letting the foreclosure happen and having that on your record for seven years.

Do I have to pay any fees or commissions?

No, you don’t pay anything at all. We don’t charge any fees of any kind, and there are no real estate agent commissions that come out of your proceeds like there would be with a traditional sale through an agent. We make you an offer based on the property and your situation, and if you accept that offer, the number we quote you is the actual amount you receive. We cover all the normal closing costs on our end of the transaction. What we offer is exactly what you get. There are no surprises, no hidden fees, no last-minute deductions, no fine print. Just a straightforward, honest transaction.

How quickly can we close?

As fast as you need us to move, or as slow as works better for your particular situation. We can close the sale in as little as 7-10 days if time is absolutely critical and you’re up against a foreclosure deadline that’s coming up very soon. Or we can wait a few weeks or even longer if you need more time to figure out your next living situation, find a place to rent, arrange for movers, coordinate with your family, or just emotionally prepare for the transition. We work entirely on your timeline and what works best for you and your family. We’re completely flexible because we understand that everyone’s situation is different and unique.

What if my house needs a lot of work?

It doesn’t matter to us at all—we buy houses in absolutely any condition imaginable. We’ve bought beautiful historic homes in Park Hill and Lakewood that just needed some TLC and updating, and we’ve bought houses that needed new roofs, new HVAC systems, foundation repairs, complete kitchen and bathroom renovations, homes with code violations, homes with serious structural issues—you name it, we’ve probably seen it and bought it. You don’t have to fix a single thing. You don’t have to paint, repair, update, or even clean. We buy the house exactly as it sits today, with all its quirks, problems, and needed repairs. That’s our job to deal with after we buy it, not yours.

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

In many cases, yes, we can absolutely work that out. If you need a few extra days or even a couple of weeks after closing to move out and get settled in your next place, we can often build that into the agreement as what’s called a “rent-back” period or “post-closing occupancy.” Just let us know what you need and what your timeline looks like, and we’ll do our very best to accommodate your situation. We understand that moving is stressful and takes time to coordinate properly, especially when you’re already dealing with the emotional weight of financial stress and leaving a home that has history and memories.

What parts of Pulaski County do you cover?

All of it, every part of the county. Whether you’re in North Little Rock proper in Park Hill, Lakewood, Indian Hills, near Burns Park, downtown Argenta, or in Sherwood, Jacksonville, Maumelle, Little Rock, or anywhere else in Pulaski County, we’re genuinely interested in helping. We work throughout the entire county and the broader Central Arkansas region. Location within the county doesn’t matter to us—if you’re facing pre-foreclosure in Pulaski County, we want to talk with you and see if we can help.

Take a Breath. You’ve Got This.

You’ve made it all the way through this entire page, which means you’re seriously thinking about your options and actively looking for a way forward rather than just giving up. That’s genuinely good. That’s genuinely important and meaningful.

Whatever you ultimately decide to do, please know that you’re not alone in facing this situation. Thousands of people have been exactly where you are right now in this moment—feeling that same fear, that same shame, that same overwhelming uncertainty about the future—and they found a way through it to the other side. You will too. You’re more resilient and stronger than you probably feel right now.

If you want to talk with someone who will listen without any judgment and help you understand your options clearly, honestly, and completely, we’re here for you. No pressure whatsoever. No sales tactics or manipulation. No games. Just an honest, respectful conversation about what might be possible for your specific situation.