Foreclosure recovery support

You can still write a fresh start for your home and your family.

It's Not Too Late—You Still Have Options

If you're receiving foreclosure notices or worried about falling behind on your mortgage, don't assume you've run out of time. Many homeowners are surprised to learn that there may still be several paths available, even if a foreclosure sale has already been scheduled.

At Fresh Start, we take the time to understand your unique situation and explain the options that may be available based on your timeline, equity, and financial goals. Whether that means selling your home for a fair cash offer, exploring a Subject-To (Sub2) solution, working through a pre-foreclosure strategy, or considering another creative real estate option, we'll help you understand the pros and cons of each approach.

Our consultation is completely confidential, free of charge, and comes with absolutely no obligation. Our goal isn't to pressure you into selling—it's to provide honest guidance so you can make the best decision for yourself and your family.

The earlier you reach out, the more opportunities may be available. Even if your timeline is short, it's worth having a conversation. Contact us today, and let's work together to find the solution that gives you the strongest possible path forward.

See my options Call 1 (715) 566-4759
No cost to talk · No obligation · Completely confidential
Stage one

Heal

First, we listen. We'll get a clear picture of where things stand — no judgment, no pressure, just an honest read on your timeline.

Stage two

Rebuild

Then we map out the real options — a fast sale, a structured arrangement, or another route — and build a plan around what actually works for you.

Stage three

Rise

You close this chapter on your terms, with cash in hand or a resolved account — and the weight of it off your shoulders for good.

Why people call us

However you got here, there's a path forward.

Every situation below is one we've helped a real family work through. None of them are too far gone to talk about.

You've received a Notice of Default or sale date.

Once a foreclosure timeline starts, every week matters. We move quickly to understand exactly how much time you have and what's still possible within it — including options that close before your auction date.

Time-sensitive — call first if you have a date

You're behind, but not in foreclosure yet.

Catching this early gives you the most options — including ones that don't involve selling at all. We'll be honest with you if waiting costs you money, and just as honest if it doesn't.

Most flexible stage to plan from

You'd rather sell than try to keep up.

Sometimes the healthiest choice is letting go of the house before it costs you more than money. We buy as-is, on your timeline, with a real written offer — no repairs, no showings.

Often closes in 2–3 weeks

You're not sure foreclosure is even the right word for your situation.

Tax delinquency, a second mortgage in default, a HELOC that's come due — a lot of people land here without a clean label for it. That's fine. Tell us what's actually happening and we'll help you figure out what it means.

Not sure where to start? Start here.
Your options, explained

Selling to us is one option. Here's the honest list of all of them.

We'll tell you plainly if one of these fits better than a sale to us — we'd rather you make the right call than the easy one for us.

Often the first thing to try

Loan modification

Your lender permanently changes the terms of your loan — rate, length, or both — to lower your monthly payment. Usually requires proof of steady income going forward.

Best when: your hardship has passed and you can afford a normal payment again.
A bridge, not a fix

Repayment plan

You and your lender agree to add a portion of what's overdue onto your regular payments until you're caught up. No change to your loan terms.

Best when: you missed a payment or two and your income has already recovered.
Needs lender approval

Short sale

You sell the house for less than what's owed, and the lender agrees to accept that amount and release the lien. Usually slower than a direct sale to us.

Best when: you owe more than the home is worth and want to avoid foreclosure on your record.
Last resort before foreclosure

Deed-in-lieu of foreclosure

You voluntarily hand the deed back to the lender instead of letting the foreclosure process finish. It can be faster and gentler on your credit than a completed foreclosure, but it's still a significant mark.

Best when: selling isn't realistic and the home has little or no equity.
What we do

Sell to us, as-is

We buy the house directly, in its current condition, often closing in 7–21 days. No repairs, no commissions, no showings — proceeds go first to pay off what's owed.

Best when: you want this resolved quickly and on a known timeline.
A real strategy, real tradeoffs

Subject-to sale

We take over your payments and title transfers to us, but your loan stays in your name until it's eventually paid off or refinanced. We'll walk through exactly how this affects your credit before anything is signed.

Best when: you have a loan with a rate that's hard to replace today.
$0
Cost to talk to us, ever
24hrs
Typical response time
100%
Confidential, no obligation
7–21 days
If a sale is the right path

Let's look at your options.

Two minutes, completely free, and nobody shows up at your door uninvited.

Needs everything Move-in ready
Fair — needs some work

No obligation. Nothing about your situation gets shared or listed anywhere without your say.

Got it — thank you.

A real person on our team will review what you've shared and reach out, usually within one business day. If you have a sale date or anything urgent, mention it when we call and we'll prioritize it.

How it works

A simple, honest process — no surprises along the way.

Step one

You tell us what's going on

The form above, or just call. Five minutes, no documents required to start.

Step two

We map your real options

Not a script — an honest look at what's actually available given your timeline.

Step three

You get something in writing

A real offer or plan, in plain language, that you can take time to consider.

Step four

We close it out, your way

On the timeline that works for you — sometimes in days, never rushed unless you need it.

Before you call

What to expect on your first call.

If you've never called anyone about a foreclosure before, here's exactly what the first conversation actually looks like — so there's nothing to brace for.

1

We ask where things stand.

What you owe, what stage you're at, and whether there's a sale date — just enough to understand your timeline.

2

We tell you what's realistic.

Sometimes that's a sale. Sometimes it's a path that doesn't involve us at all — we'll say so either way.

3

We answer your questions, plainly.

No jargon, no pressure to decide on the spot. Take the information and think it over.

4

You decide what happens next.

If you want a written offer, we'll prepare one. If you want time, take it. Either is fine with us.

Foreclosure is a process, not a verdict. There's almost always more room to act than it feels like from the inside.

— THE FRESH START REALITY TEAM
Where we help

Serving Wisconsin and the greater Twin Cities area.

If you're nearby and don't see your town listed, reach out anyway — we regularly help outside this list.

Dresser, WI St. Croix County Polk County Hudson, WI River Falls, WI Minneapolis, MN St. Paul, MN Western Wisconsin Twin Cities Metro
Questions people actually ask

Straight answers, no fine print surprises.

No, never. There's no fee for a conversation, no fee for a written offer, and no commission if you decide to sell to us. The only numbers involved are what's already owed against the property.
Usually not — but tell us the date the moment you reach out, since this is the one thing that genuinely changes how fast we move. We've closed deals in the days immediately before a scheduled auction, and in some cases helped negotiate a postponement directly with the lender.
That's a completely fine outcome. Part of what we do is help you see the realistic alternatives — loan modification, repayment plans, refinancing — even when none of them involve us. We'd rather you make an informed choice than feel pushed into one.
No. We buy houses in any condition — deferred maintenance, code violations, anything. The condition slider on the form just helps us give you a more accurate first number, not a pass/fail test.
Acting sooner is almost always better for your credit than letting a foreclosure complete. A short sale or a sale before auction typically reports very differently than a completed foreclosure — we can walk through the specifics for your situation on a call.
Yes. We regularly work with heirs and executors navigating both probate and an active foreclosure at the same time, and can coordinate directly with the estate attorney.
In a short sale, you find a buyer and the lender agrees to accept less than what's owed. In a deed-in-lieu, there's no buyer — you simply hand the property back to the lender. Short sales usually take longer but tend to be gentler on your credit; a deed-in-lieu is faster but still a significant mark on your record.
Yes. A meaningful share of the calls we take end with us pointing someone toward a loan modification, a repayment plan, or a HUD-approved housing counselor instead of a sale. We'd rather be the call that actually helped than the one that just made an offer.
Yes — Fresh Start Reality is a division of Twin Cities Development Company. You can read more about that on our About page.
Never. Submitting the form starts a conversation, not a contract. Whatever we offer is yours to consider, compare, or walk away from.

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