Owe More Than Your House Is Worth? We Can Help
We regularly purchase homes through short sale transactions, working within your lender’s approved process so you can walk away without out-of-pocket costs.
Direct Local Contact
You work directly with us, a WNC buyer. We handle our own walkthroughs, write our own offers, and stay accessible to you from the first phone call to the closing table.
Sell 100% As-Is
Take what matters to you and leave the rest behind. You don't need to clean, paint, or fix a single thing.
Close on Your Timeline
Whether you need cash in hand within 7 to 10 days or need a few months, you pick the exact date.
Want to See What Your Options Really Look Like?
Answer a few quick questions then Will or Charlene will personally walk you through your next steps. No spam. No obligations. No judgment.
When You Owe More Than the House Is Worth
Negative equity can make a house feel unsellable — traditional listings often require you to bring cash to the closing table just to satisfy the loan balance. In many cases, a short sale allows the lender to accept less than the full payoff. We work within your lender’s approved process so you can transition out of the property without paying out of pocket, while understanding the potential credit impact.
What Homeowners Are Saying
Verified reviews — no agents, no repairs, no waiting.
"We inherited our parents' home in Asheville and lived out of state, which felt overwhelming. They handled everything locally with the probate court and let us close on our exact timeline without making a single repair."
Sarah
Inherited home, Asheville
"After falling behind on payments, I thought foreclosure was inevitable. They gave me a fair, transparent cash offer and closed in less than two weeks so I could move on without the stress."
Marcus
Facing foreclosure
"Selling a house 100% as-is is no joke when you don't have the time or money to fix it up. Their contractor background showed right away — they were completely honest about the math and lived up to every promise."
Elena
Sold as-is
"Zero pressure and no hidden fees. I compared their direct cash option to a traditional listing, and for my situation, skipping the agent commissions and months of bank waiting was the right call."
David
Compared to listing with an agent
"Handling an estate sale after a family loss is emotionally exhausting. They coordinated directly with our local attorney and made a complex process completely straightforward and respectful."
Jessica
Estate sale
How Selling to Us Works
No showings, no repairs, no cleaning, and no waiting on bank approval. Here’s exactly what the process looks like — simple, predictable, and built for real‑life situations.
Reach Out
Call / Text or fill out the form with a few basic details about your property and situation. We start by listening — not pressuring.
We Take a Look
We review the property in person or remotely and use real contractor experience to evaluate any repairs or issues, giving you an honest, as‑is cash offer. No judgment, no surprises.
Sign the Contract
If the offer works for you, we sign a simple purchase contract. Just a clear agreement and a predictable path to closing.
Close in As Little As 2 Weeks
We close through a licensed NC real estate attorney on the date you choose — often in as little as two weeks. Finally relief, cash in hand.
Direct Cash Sale vs. Traditional MLS Listing
| Feature | True Property Solutions | Traditional MLS Listing |
|---|---|---|
| Commissions & Fees | 0% (We pay standard closing costs) | ~6% agent commission + seller closing fees |
| Repairs & Cleaning Needed | None—Evaluated by licensed contractors & bought 100% As-Is | High—frequently required after home inspection |
| Time Frame to Close | 7 to 14 Days | 60 to 90+ days (pending bank financing) |
| Financing Contingencies | None—Guaranteed cash purchase | High risk of loan denial or low bank appraisal |
Frequently Asked Questions
How do you calculate your cash offer?
We look at recent sales of comparable homes in your area, assess fair market value if fully restored, and factor in our contractor-level repair costs. We show you our math transparently.
Are there any hidden fees or obligations?
None. Requesting an offer is 100% free and comes with zero obligation to accept.
Can I sell my house if I owe more than it's worth?
Yes. You can sell even if you’re upside down on your mortgage. In some cases, your lender may approve a short sale, accepting less than the full payoff. We buy homes in any condition and can work with your lender’s loss mitigation department.
What happens to my deficiency balance in a short sale?
In a short sale, your lender may forgive the deficiency balance or negotiate a repayment arrangement. The exact outcome depends on your lender’s policies and your specific situation. We coordinate with your lender so you understand what’s being proposed before closing.
Will a short sale hurt my credit?
A short sale can affect your credit, but it is often less damaging than a foreclosure. Your lender reports the status to credit bureaus. We encourage you to speak with a credit or financial professional, but we can help you understand the practical differences between short sale and foreclosure timelines.
How do you determine your cash offer on an upside-down property?
We evaluate your home’s current condition, comparable sales, and market trends. Then we coordinate with your lender to see whether a short sale is feasible at that number. Our goal is to provide a realistic offer that your lender can consider.
How long will it take to sell an upside-down home?
Short sales can take longer than traditional closings because the lender must review and approve the offer. Our free Days-on-Market Report shows how long homes in your area are taking to sell, which helps you compare listing vs. pursuing a short sale with a direct cash buyer.
Ready to See What Your Home Is Worth in Cash?
No commissions, no inspection lists, and closing on your exact schedule.
Get Your Cash Offer →