Falling behind on the mortgage on an older Bristol rowhome is a hard spot, especially when the house also needs work. A quick retail sale can be hard to arrange for a house in that state.
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Kaizen Home Buyers can give you a cash offer within 24 hours for the house as-is. There are no repairs, no agent commission on our side, and closing can be in 14 to 30 days or on the date you choose. We are not a lender or a law firm, so also talk to a counselor or attorney about keeping the house.
Your lender must send an Act 91 notice before foreclosing. It explains your right to apply for a HEMAP loan, which could cover delinquent payments. You must apply within 33 days of the notice, and the lender cannot take foreclosure action during that time. HEMAP also requires an owner-occupied home and the ability to resume full payments within 24 months. Free housing counseling is available through PHFA.
Bucks County sells foreclosed properties as is, with no inspections allowed, and the county's policy page says let the buyer beware. The Sheriff's Justice Center office is at 100 North Main Street, Floor B2, Doylestown, and takes calls at 215-348-6124. A plaintiff's attorney can postpone a sale up to 130 days. Ask your own attorney which dates apply to you.
A sale only helps if the price covers the payoff and recorded claims. In Bristol, riverfront flood risk and older rowhome repairs can pull a price down, while a buyer who knows the condition can price it directly. For a low-lying parcel, the borough's stormwater page is where to check preliminary FEMA mapping. Photographs and repair records for the roof and basement help us price what we find.
Call or text 267-329-0084 with the Bristol address and the dates on your notices. We look at the rowhome and send a cash offer within 24 hours, so you can check it against what you owe.
If a sale fits the calendar, we close in 14 to 30 days or on your date. We cannot promise that will beat a sheriff sale date, so tell us the date first. Declining is fine, and your counselor's plan stays available.
You have 33 days from the date of the notice to apply for HEMAP, and the lender cannot take foreclosure action during that time. Call an approved counseling agency right away. PHFA's hotline is 1-855-827-3466.
Bucks County runs a Mortgage Foreclosure Diversion Program with mediation between homeowner and lender. Call 866-760-8911 right after you receive a foreclosure notice. Qualifying homeowners can also get free legal help from Legal Aid of Southeastern Pennsylvania at 877-429-5994.
Often, if you still own it and the sale closes in time to pay off the loan and liens. A foreclosure attorney can tell you how your schedule works. Give us your sale date at the start. Our offer comes within 24 hours, so you can compare it before your deadline.
The county says properties sell as is, with no inspections allowed, and puts the risk on the buyer. Sales are held on the second Friday of each month at 11:00 am at the Administration Building in Doylestown. That is separate from a private sale, where you set the terms. Ask the Sheriff's Justice Center, 215-348-6124, to confirm the date.
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
No obligation. No fees. Just a fair offer from a local buyer.