Facing foreclosure? There's still time to change the ending.
We're a family-owned real estate investment company that helps homeowners resolve mortgage debt and move forward — through negotiated payoffs, a partner-funded loan or note purchase, or a fast, as-is cash sale. Free, confidential, and no obligation.
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Free, confidential case review within 48 hours
We talk to your lender — so you don't have to
Every realistic option, laid out in writing
No fees or commissions when we buy your home
48 Hrs
TO YOUR FREE CASE REVIEW
272
COUNTIES COVERED IN GA, FL & SC
$0
IN FEES WHEN WE BUY YOUR HOME
14 Days
FASTEST CLOSE, IF YOU SELL
Our recommendations are grounded in public rules and guidance — Georgia, Florida & South Carolina foreclosure statutes · CFPB mortgage servicing rules · HUD housing counseling · FTC consumer alerts
FORECLOSURE
PROBATE
DIVORCE
BANKRUPTCY
TIRED LANDLORDS
RELOCATION
PERSONAL REASONS
We buy houses in any situation
Wherever you are with the house, there's a next move.
A notice on the door doesn't end the story. Whatever stage you're at — and however it got here — we'll find the options that are still open, with zero judgment.
Notice of default arrived
In Georgia the lender only has to give 30 days' notice before a sale. We'll help you use every one of those days well.
Owe more than it's worth
When the loan is the problem, a negotiated payoff or a partner-funded loan purchase can be the fix.
Behind on payments
Months of letters piling up? We sort the real options from the noise — for free, and in plain English.
Sale date on the calendar
Even close to the date, there are usually moves left. The sooner you call, the more of them are still available.
Divorce and the mortgage
A clean, private resolution and a firm closing date, so both of you can move forward.
Job loss or medical hardship
Life changed and the mortgage didn't. We build plans around what you can actually do right now.
Property taxes in arrears
Tax sales move on their own clock. We can fold tax debt into the same plan instead of treating it separately.
Inherited a mortgaged home
Probate plus a loan you never chose. We work through both, including out-of-state heirs.
A rental you're done with
Tired landlord, bad tenant, deferred repairs. We buy occupied and as-is — no clean-out required.
Start here
Get your free, confidential cash offer.
Tell us a little about the property — we'll take it from there. It only takes a couple of minutes.
A free, no-obligation cash offer within 48 hours
No fees, no pressure, no obligation
Your information stays private, always
How it works
Four steps back to solid ground.
No mystery and no runaround. One conversation, every option in writing, and a team that executes the plan you choose.
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01
Tell us what's going on
Call or email — about ten minutes, free, and completely confidential. No judgment, no pressure, no obligation. Provide whatever paperwork you have; if you have none, that's fine too.
03
You get every option, in writing
Reinstatement, a negotiated payoff, a loan purchase through our lending partner, or a straight cash offer. We explain the trade-offs of each — including the ones that don't involve us.
02
We look at the house and the numbers
We ask about the property — layout, age, condition, what's been updated — then estimate repairs and pull comparable sales, while reviewing the loan, payoff, and deadlines you're working against.
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04
We execute the plan you pick
We handle the lender, the paperwork, and the deadlines. If you sell, we close in as few as 14 days or on your timeline — and we pay the closing costs.
Why sellers choose us
A specialist on your side of the table.
The house is only half of it. We handle the parts that usually cause the stress.
Free and confidential
The review, the plan, the straight answers — all free, whether or not you ever work with us.
Fast when it counts
Case reviews in 48 hours and closings in as few as 14 days when the auction clock is loud.
More than one way out
Reinstatement, payoff, loan or note purchase, or a fast sale. We fit the tool to your situation, not the reverse.
Three states, one team
Georgia, Florida, and South Carolina — 272 counties, and we know how each one's clock runs.
We face the lender for you
With your written authorization we deal with the servicer, so you can stop dreading the phone.
No surprise costs
Nothing upfront, and no fees or commissions when we buy your home. A loan purchase does carry costs — we put those in writing before you decide.
Compare
Foreclosure vs. working with In Bloom Realty Group.
One path is run by the court calendar. The other is run by you.
Two ways we work
Homeowners and note holders.
Most of what we do is help families through foreclosure. The other side of the business: acquiring notes.
For homeowners in trouble
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Stop a foreclosure before the sale date
Negotiate payoffs and reinstatements with the servicer
Buy the house as-is, for cash, with zero fees — if selling is the right move
Creative terms when a straight cash sale doesn't fit
For lenders & note holders
We connect performing, sub-performing, and non-performing notes with our lending partner
Seller-financed and owner-carry notes welcome
Quick diligence, single assets or small pools
In Bloom facilitates the introduction; the partner funds, prices, and closes the purchase
Three states, three very different clocks
Georgia, Florida & South Carolina each run foreclosure differently.
Knowing which clock you're on changes what's still possible.
NON-JUDICIAL · FASTEST
Georgia
The lender must mail notice at least 30 days before the sale and advertise four weeks. Sales are held on the courthouse steps the first Tuesday of the month. A deficiency judgment requires court confirmation of the sale within 30 days.
JUDICIAL · SLOWEST
Florida
The lender files a lis pendens and lawsuit; you have 20 days from service to answer or risk a default judgment. Contested cases commonly run 12 months or longer. Deficiency judgments are allowed.
JUDICIAL
South Carolina
The lender sues; you generally have 30 days to file an answer. Cases often run 6 to 12 months. If the lender reserves a deficiency, bidding stays open for a 30-day upset bid period after the sale.
General information only, not legal advice. Timelines vary by county, loan type, and case. Ask a licensed attorney about your specific situation.
Our mission
"Our mission is to revitalize communities across Georgia, Florida, and South Carolina by transforming distressed properties into high-quality, move-in ready homes — providing solutions for homeowners facing challenging situations, delivering value to buyers through thoughtful renovations, and creating win-win outcomes that strengthen neighborhoods, while upholding the highest standards of professionalism and confidentiality."
- In Bloom Realty Group
Good questions
Answers before you ask.
Ready to see your options?
One free, confidential conversation can change how this chapter ends.
No pressure and no obligation.