AutoClose REI LLC
When the Traditional Market Fails, We Don't.
Whether your MLS listing expired or you're facing a foreclosure deadline, we specialize in the "tough" cases. We help homeowners navigate pre-foreclosure and stalled sales with creative solutions to protect your equity.
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★★★★★
We Offer Complete Guidance
Pre-foreclosure
The pre-foreclosure stage begins the moment a borrower misses a mortgage payment.
Foreclosure Auction
The lender schedules an official date to auction the property.
Real Estate Owned (REO)
Ownership automatically transfers directly to the lender.
Our Solutions
Loan Reinstatement/Total Payoff
Once paid, the foreclosure is dismissed, the original mortgage is restored, and the regular monthly payments resume.
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Owner Financing
An investor is stepping in to structure a deal—owner financing offers an alternative to a bank-driven sale.
Real Estate Agent (Listing MLS)
Liquidate the property on the Multiple Listing Service (MLS) to cash out the equity before the lender can seize it.
Frequently Asked Questions
1. How can you help me stop the foreclosure if I am already weeks away from the auction date?
Time is critical, but you still have options. We specialize in stepping in during the Pre-Foreclosure stage. Depending on your situation, we can negotiate directly with your lender to submit a loan reinstatement, structure a fast cash acquisition to pay off the debt completely, or pull legal levers like an emergency postponement to pause the clock while we execute a solution.
4. My property needs massive structural repairs—can we still list it or sell it?
Yes. Traditional retail buyers using bank financing usually cannot buy homes that need heavy renovations because banks won't clear the loan. However, we bypass traditional banking guidelines. We buy properties strictly "as-is" for cash or via creative financing models, meaning you do not have to lift a finger, pay for contractors, or clean up the property to stop the foreclosure.
2. Can you help me keep my home, or do I have to sell it?
Our primary goal is to find the exit strategy that fits your life. If your goal is to stay in the property, we can help guide you through the Loan Reinstatement process or assist you in structuring a formal loan modification proposal with your lender's loss mitigation department to get your payments back to an affordable level.
5. What happens if my mortgage balance is higher than what the house is actually worth?
If your property is "underwater," a standard real estate listing won't work because the sale proceeds won't cover the debt. In this scenario, we can step in to negotiate a Short Sale with your lender. We present a formal package to the bank proving the market reality, get them to agree to accept a lower total payoff, and purchase the property while getting the bank to waive or forgive your remaining balance.
3. What is a "Subject-To" transaction, and how does it rescue my credit?
If you want to move on from the property but owe more than it's worth or can't afford the catch-up payments, we can structure a Subject-To deal. We bring the cash to the table to cure your default and catch up on your back payments instantly. Then, we take over your monthly mortgage payments moving forward. The deed transfers to us, your foreclosure is completely canceled, and your credit profile immediately begins to recover as we make on-time payments on the underlying loan.
6. Will working with you cost me any out-of-pocket agent commissions or upfront fees?
No. Unlike listing a home traditionally with a real estate agent where you have to pay 5% to 6% in commissions out of your equity, we operate as direct buyers and consultants. We do not charge you any upfront fees, consultation fees, or commissions. If we structure a deal, our numbers are transparent, and our goal is to put cash back in your pocket or resolve your debt at zero cost to you.