Homes purchased for cash by Kaizen Home Buyers
Homeowner Guides

Know Your Options Before You Decide

If you're behind on your mortgage or dealing with a tough situation, you have more choices than you think. Here are 5 real options, explained in plain language.

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5 Options for Homeowners in Philadelphia

Each option has tradeoffs. The right one depends on your timeline, your finances, and what matters most to you. Click any guide to learn more.

30-90 days

Loan Modification in Philadelphia

Learn how a loan modification can lower your mortgage payment in Pennsylvania. Simple guide to the process, timeline, and what to expect.

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3-12 months

Forbearance Agreement Options

Understand how mortgage forbearance works in PA. Learn what happens when payments pause, what's due after, and if it's right for you.

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3-6 months

Short Sale Your Philadelphia Home

Guide to short selling your home in Philadelphia. Learn how it works, how long it takes, and how it compares to foreclosure on your credit.

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14-30 days

Sell Your House for Cash in Philadelphia

Honest guide to selling your Philadelphia home for cash to an investor. Learn what to expect, how fast it works, and the real tradeoffs.

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30-90 days

Deed in Lieu of Foreclosure

Learn how a deed in lieu of foreclosure works in Pennsylvania. Understand the requirements, credit impact, and whether it's right for you.

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Free resources you should know about

No matter which option you choose, these free services can help.

  • HUD-Approved Housing Counselor

    Free foreclosure prevention counseling. Call 800-569-4287

  • PHFA (PA Housing Finance Agency)

    Pennsylvania-specific mortgage help. Call 800-822-1174

  • Philadelphia Legal Assistance

    Free legal help for Philadelphia residents. Call 215-981-3800

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