We primarily purchase primary and second mortgages, HELOCs, tax, HOA, mechanic’s, child support and private liens attached to real property. Each lien is evaluated based on the property’s value, existing debt stack, and the probability of recovery through foreclosure or settlement

Lien valuation is based on the recoverable equity in the underlying property, not simply the face amount of the lien. We evaluate: Current estimated property value; Existing mortgages and senior liens; Property tax obligations; Foreclosure status and legal posture; and Estimated timeline and costs to resolution. This underwriting allows us to determine a fair purchase price based on realistic recovery potential.

Foreclosure can be time-consuming, expensive, and uncertain. Selling a lien allows you the holder to convert a potentially long and risky process into immediate cash, while avoiding litigation costs, property deterioration risk, and extended timelines.

Most liens can be initially reviewed within 24–48 hours after receiving the basic property and lien documentation. If the lien meets our acquisition criteria, we can typically present a proposal shortly thereafter.

We typically request: The recorded lien or judgment documentation; Property address; Any information on senior mortgages or liens; and Status of any foreclosure or litigation. With this information, we can quickly assess the equity position and recovery potential.

No. Our lien evaluation process is confidential and free of charge, and there is no obligation to sell.

Once terms are agreed upon, we prepare an Agreement for Assignment of Judgment and coordinate any required documentation. Our goal is to complete transactions efficiently and with certainty.

Yes. All lien submissions and communications are handled confidentially and professionally, via a Mutual Non-Disclosure Agreement (MNDA).