Real Estate Companies That Buy Homes – GVCPS Buys Homes

Real Estate Companies That Buy Homes are professional real estate investors who buy houses from Sellers every day regardless of the Seller’s situation and regardless of the real estate market conditions. Selling your house through traditional methods is an expensive process and there are no guarantees when your property will be sold to a potential buyer who may or may not qualify for a mortgage to buy your property.

Real Estate Companies that buy homes, buy property utilizing their own resources and they don’t need to rely on bank financing. This enables Real Estate Companies to buy your house quickly and close the transaction quickly. Real estate Companies that buy homes are willing and capable to buy your house for cash or take over your mortgage payments and house within a matter of days.

Our Company, GVC Property Solutions Inc. (GVCPS), is a well established Real Estate Investment Company that buys homes. We are part of a large network of real estate professionals who specialize in creative and innovative techniques to purchase property from people who need relief from their mortgage or real estate situation for any reason but cannot or do not want sell through traditional means.

Along with our affiliated Companies, GVCPS has been operating for 25 years, buying residential properties and commercial multi-family unit apartment buildings. Our office is conveniently located in West Vancouver, BC.

GVCPS buys houses, duplexes, townhomes, condos and multi-family residential development projects that are any price, in any condition and in any location in Vancouver BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC. Our Company also provides consultation services to real estate investors, buyers, and sellers.

What is the Process? “How do I Sell My House Fast?”

Our Affiliated Real Estate Companies That Buy Homes Offers a Simple and Hassle-Free Home Buying Process That Involves:

#1. You Contacting Our Friendly Office 604-812-3718 or you can submit your information online.

#2. Our Company Arranging a Time to View the Property. After we view the property and perform all necessary due diligence, we will prepare our offer to purchase for cash or we will prepare our offer to take over your mortgage payments and the property associated with it.

#3. Our Company Presenting You With An Offer to Purchase. Each offer to purchase benefits all parties.

#4. We Close The Sale. If you agree to our offer, we confirm all remaining details and close the sale.

#5. Or, We Part Ways. If you do not agree to our offer, we part ways with no hard feelings and we can help you find another solution to your situation, even if it’s not us.

Advantages of Real Estate Companies That Buy Homes Fast as Cash Buyers:

There are many advantages you receive when you sell your house to a professional real estate investor at GVCPS.

  • Our real estate Companies that buy homes buy houses utilizing our own resources and we don’t need to rely on bank financing. This enables our Company to buy your house quickly and close the transaction quickly or we can close on another date that is more convenient for your schedule.
  • GVCPS is willing and capable to buy your house for cash or take over your mortgage payments and house within a matter of days.
  • We are a well established and professional real estate investment Company that has decades of experience buying property in any situation and in any market condition that benefits all parties involved.
  • Our Company does not charge any real estate fees or commissions, saving you thousands of dollars.
  • Our Company provides free consolation to find the best solution to your real estate situation.
  • We buy any property type: houses, duplexes, townhomes, condos and multi-family residential development projects.
  • Our house buying Companies buys houses that are any price, in any location and in any situation in Vancouver, BC, the Lower Mainland, Fraser Valley and Squamish BC.
  • We buy houses as-is that are in any condition even if the house requires extensive repairs or renovations. Whether the property is a total fixer-upper or in move-in condition, there is no easier way to sell your home fast“.

We are one of the initial real estate Companies that buy homes in Canada. Our job is to provide you with immediate financial relief and peace of mind regarding your real estate situation and we have earned a reputation for fair dealing with 25 years of experience. GVCPS and our affiliated house buying Companies have handled hundreds of purchase situations, helping clients facilitate a non-stressful real estate transaction that benefit all parties involved.

Our Affiliated Real Estate Companies That Buy Homes provides free consultation to discuss the different options that are available to your real estate situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca. You can also contact us 24 hours a day through our Confidential Sell to Us Form (click here).

Who Are the People That Buy Houses in Canada?

People who buy houses in Canada are real estate investment Companies that buy houses for cash or buy houses on terms and take over mortgage payments and the property associated with it. These Companies are owned by professional real estate investors who are the people who buy houses that have decades of experience buying and selling houses regardless of the Seller’s situation and regardless of the real estate market conditions.

These types of people who buy houses are professional property buyers who have extensive hands on experience solving; legal issues related to properties including title issues, taking over mortgage payments, probate problems, bankruptcy issues, pre-foreclosure and foreclosure and any other legal matters related to properties. They also have extensive experience with creative and innovative mortgage financing and property repairs and renovations.

People who buy houses in Canada that are professional real estate investors buy houses quickly with their our own resources and they don’t need to rely on bank financing – these professional real estate investment Companies are willing and capable to buy your house for cash quickly or take over your mortgage and house within a matter of days.

Professional Real Estate Investors Are People Who Buy Houses in Canada. Why Use a Real Estate Investment Company?

  • The professional real estate investor knows the stress and hassles that you face when you are having mortgage payment problems, when you need to sell your house fast but cannot sell or prefer not to sell through traditional methods or when you just want out of your real estate situation for any reason.
  • People who buy houses in Canada that are professional real estate investors buy houses quickly with their our own resources and provide you with immediate financial relief and peace of mind regarding your real estate situation.
  • Professional real estate Companies that buy houses have earned a reputation for fair dealing with decades of experience.
  • Professional real estate investors have handled hundreds of purchase situations, helping Seller’s facilitate a non-stressful real estate transaction that benefit all parties involved.
  • Professional real estate investors are people who buy houses that also have extensive hands on experience solving any legal issues associated to the properties that they buy.
  • People who buy houses who are professional real estate investors, offer no hassle – straight forward purchase transactions and they can close on the purchase transaction quickly.
  • You do not have to deal with the process of listing your house on MLS and be inconvenienced with realtor showings when a real estate Company buys your house.
  • Unlike a realtor, professional real estate investors are people who buy houses who do not charge you any real estate fees or commissions, saving you thousands of dollars.
  • Professional real estate investors are people who buy houses that are any price and in any condition and they will buy your house in as-is condition even if extensive repairs or renovations are required.
  • Professional real estate investors are people who buy houses that solve your mortgage problems and provide solutions in all types or real estate situations including foreclosure prevention and re-instating your mortgage if you are facing pre-foreclosure.
  • Real estate Companies that buy houses can also provide immediate solutions to other mortgage problems and property problem situations if you have a job transfer, if you are a landlord and have tenant problems, if you are facing an expired MLS listing, if you are going through a divorce, if you have a house that is too costly to maintain or if you have a house that is too stressful to manage.

Professional real estate investors are people who buy houses quickly. No commissions. No real estate agents. No need to do repairs. No spending months while people walk through your house while you wait for a potential buyer to apply for bank financing. No need to bring your payments current if you are facing pre-foreclosure or foreclosure. No “for sale by owner” headaches.

Professional real estate investment Companies that buy houses who have decades of experience have a commitment to quality that benefits all parties involved There are many fly-by-night “People That Buy Houses in Canada” operations that come and go, but professional real estate investment Companies that buy houses continues to be one of the largest home buying organizations in the world.

Our Company, GVC Property Solutions Inc. (GVCPS), is a well established Real Estate Investment Company that is part of a large network of real estate professionals who specialize in creative and innovative techniques in purchasing property from people who need relief from their mortgage or real estate situation for any reason but cannot sell or prefer not to sell through traditional means.

Along with our affiliated Companies, GVCPS has been operating for 25 years, buying residential properties and commercial multi-family unit apartment buildings. Our office is conveniently located in West Vancouver, BC.

GVCPS buys houses, duplexes, townhomes, condos and multi-family residential development projects that are any price, in any condition and in any location in Vancouver BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC. Our Company also provides consultation services to real estate investors, buyers, and sellers.

Our staff and business associates have extensive hands-on experience in all areas of real estate ranging from legal, financial advisors, real estate agents, mortgage advisors and financial investors. We work with some of the best experts in the real estate and mortgage industries in British Columbia.

We provide Free consultation to discuss the different options that are available to your real estate situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca. You can also contact us 24 hours a day through our Confidential Sell to Us Form (click here).

We Are a Real Estate Investment Company

Take Over Mortgage Payments Contract – We Take Over Mortgage Payments and the Property Associated With It.
Utilizing a Take over mortgage payments contract is one of the original and most secure methods that is applied by professional real estate companies that will buy your house. How does it work?

A take over mortgage payments contract enables a professional real estate investor to take over the seller’s mortgage payments until the real estate investor pays off the mortgage loan – usually by either assuming the mortgage, assuming mortgage payments, a refinance or re-selling the property at a later date.

Our Company, GVC Property Solutions Inc. (GVCPS) is a well-established real estate investment Company. We are pioneers in the mortgage and real estate industry and we specialize in assuming mortgage payments through our Mortgage Takeover Program. Through our Mortgage Take Over Program, we take over house payments and the house associated with it.

A seller who utilizes a take over mortgage payments contract benefits in many ways. You, the seller are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit until our Company pays off the mortgage. We can also take over payments if your house is for sale and currently listed with a realtor.

Our job is to provide you with peace of mind and immediate financial relief from your mortgage payments and property situation so you can focus on your life. We provide flexible, pre-negotiated terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling that benefits all parties involved.

In a takeover mortgage payments contract, the two parties (the Seller and our Company), agree to the length of the term during which the mortgage payments are paid by our Company as well as the terms of the sale including the purchase price.

Utilizing a take over mortgage payments contract is is a time-tested method of purchasing property and a viable alternative for seller’s who need relief from their mortgage payments and property situation.

We Utilize Take Over Mortgage Payments Contracts For Any Property Type and Any Situation

We take over mortgage payments for any property type and any situation: houses, duplexes, town homes, condos and multi-family residential development projects that are any price and in any location in Vancouver, BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC. Contact us today to discuss the different options that are available to your situation 604-812-3718 or info@gvcps.ca.

In most cases, we take over the entire mortgage payment through our Mortgage Take Over Program as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair and maintenance costs.

Our Company does not charge any fees or real estate commissions and in most cases, we take over mortgage payments even if the property requires extensive repair or renovations – we take over mortgage payments contract and the property in as-is condition.

We provide Free consultation to discuss the different options that are available to your situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca. You can also contact us 24 hours a day through our Confidential Sell to Us Form (click here).

If you are experiencing unmanageable or unwanted mortgage payments, contact us. Our Real Estate Investment Company, GVCPS, specializes in taking over mortgage payments and the property associated with it.

When we take over mortgage payments, you are provided with immediate monthly cash flow management solutions to your mortgage payments along with protecting any equity you may have in the property and protecting your credit.

We can help you avoid foreclosure and reinstate your mortgage with your lender. To prevent  foreclosure, we take over mortgage payments for any property type in any situation of Vancouver, BC, the Lower Mainland and Fraser Valley, BC. When we take over mortgage payments, we provide you with flexible, pre-negotiated terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling.

In most cases, we take over the entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair or maintenance costs.

Taking Over Payments on A House

Our Take Over House Payment Program is designed for people that require relief from their mortgage payments for any reason. We take over the current payments on the house and our Program works with both assumable and non-assumable mortgages.

We also take over payments on a house when you are in pre-foreclosure. We take over payments on house foreclosures by reinstating the mortgage with the mortgage lender.

We take over the property and you are no longer responsible for mortgage payments. We offer this relief Program to people who just want out of their mortgage and property situation, even if you owe more than the property is worth. We then take care of the property and bear all the maintenance costs.

When we take over payments on a house, we verify and follow the procedures below:

Once you have contacted us about the property, we ask that you provide your current mortgage statement that shows your mortgage details to verify the monthly mortgage payment we are taking over. If you are already in default and facing pre-foreclosure, we speak to your mortgage lender or their lawyer to determine the amounts that are required to reinstate the mortgage and bring the mortgage back into good standing with the mortgage lender.

Once we have all of the necessary information, we sign an agreement through a lawyer r notary that verifies that we are taking over the mortgage payments and the property as well as all of the other terms and conditions that we have agreed upon. In regards to pre-foreclosure, once we reinstate the mortgage with your mortgage lender and take over the mortgage payments, this will help avoid foreclosure, protect any equity you have in the property as well as protect your credit.

Finding Someone for a Quick House Sale

 

Finding Someone for a Quick House Sale?

Do you need a quick house sale in Vancouver BC, the Lower Mainland Fraser Valley or Squamish BC? We are not realtors or mortgage brokers – we buy your property as-is/where is, with flexibility and convenience so you can move on. We also take over mortgage payments and the property associated with it, which can help relieve financial stresses around real estate.

If you need a quick house sale, our Company, GVC Property Solutions Inc. (GVCPS), is a real estate investment Company that buys houses quickly. We know the stress and hassles that you face when you cannot pay your mortgage payments, when you need to sell your property but cannot sell through traditional methods or when you just want out of your real estate situation for any reason and you prefer not to sell through a realtor, be inconvenienced with the MLS listing process and potential buyers who may not qualify for bank financing.

We are one of the few House/Home Buying Companies that do not charge you any fees or real estate commissions, saving you thousands of dollars. We also offer free consultation to discuss the different options that are available to your situation.

Our real estate consultants counsel our clients to understand their individual needs to enable us to provide our clients with the best solution to their situation. Contact us with any questions you have 604-812-3718, info@gvcps.ca or you can contact us 24 hours a day through our Confidential Sell-to-Us Form (click here).

When it comes to selling a house, more often than not, everyone wants a quick house sale regardless of their circumstances. If your property has been listed with a realtor for many months and hasn’t sold or if you have a house that is too costly to maintain or a house that is too stressful to manage, the hassles and stress that you face will most likely continue to escalate the longer you remain in your situation.

We buy houses quickly with our own resources and we don’t need to rely on bank financing. Our investment Company is willing and capable to buy your house for cash or take over your mortgage and house quickly.

We buy any property type – we buy houses, duplexes, townhomes, condos and multi-family development projects that are any price, in any condition and in any location in Vancouver, BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC.

If you prefer quick sale house solutions online, our professional house buying team will provide you  with immediate solutions to your situation (click here).

Our Company’s team of specialists are available for you 7 days per week. Our job is to provide you with quick sale house solutions and peace of mind regarding your real estate situation and we have earned a reputation for fair dealing with 25 years of experience. We have handled hundreds of purchase situations, helping clients facilitate a non-stressful real estate transaction that benefit all parties involved.

If you have been searching for a quick sale house solution, our Company buys houses quickly. We understand the stress and hassles that you face when you are experiencing unmanageable or unwanted mortgage payments, experiencing difficulty selling your property through traditional methods or when you just need relief from your property situation for any reason.

Your property is an asset, so why not sell it as an asset? Every month you wait to find a solution to your situation is costing you time and money. Don’t procrastinate. Our commitment to you is that we will follow through until the completion of the transaction. If you need a quick house sale, we specialize in quick sale house solutions for any property type, in any condition and location in Vancouver, BC, the Lower Mainland, Fraser Valley and Squamish BC.

We provide free consultation to discuss the different options that are available to your situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca. You can also contact us 24 hours a day through our Confidential Form (click here).

More often than not, people find themselves in the same situation, needing to sell a house fast and unsure of where to turn. If you are in a situation where you need a quick house sale, you have three options available to you.

If the real estate market is not in your favour (ie. a Buyer’s Market), when you are trying to sell your house quickly, you may not receive the current market value of the house and you will most likely have to sell the property below market value to achieve a quick house sale.

The first two quick house sale options in a buyer’s market are through traditional selling methods 1) you can list the house below market value through a realtor on MLS and hope that the house sells quickly or 2) you can sell the house yourself without the help of a realtor with an advertised sales price below market value with the intent of a quick house sale.

The third option for a quick house sale that is available to you is through a Real Estate Investment Company. Real Estate Companies will buy your house quickly with flexibility and convenience in any type of market. These Companies specialize in buying houses from people who require a quick house sale who cannot sell or who don’t want to sell through traditional means.

Advantages of using a quick house sale Company:

Quick house sale Real Estate Investment Companies will buy your house quickly as-is, meaning, they will buy your house that is in any condition without you having to do any of the repairs. Quick house sale companies utilize their own funds to buy houses and do not need to go through the bank approval process to obtain a mortgage to buy your house. Real Estate Investment Companies have the experience and use innovative and creative techniques to buy your house no matter what your situation is.

The three most attractive characteristics of a quick house sale through a Real Estate Investment Company are; the Company’s experience, financial ability and certainty. In today’s challenging real estate market, many people are looking for certainty and peace of mind when it comes to a quick house sale.

Our Company, GVC Property Solutions Inc., is a Real Estate Investment Company that buys houses, duplexes, townhomes and condos that are any price, in any condition and in any location in Vancouver, BC, the Lower Mainland and Fraser Valley, BC.

We are a quick house sale company that can buy your house if you prefer not to list your property on MLS and be inconvenienced with realtor showings and having to wait on potential buyers who may never qualify for a mortgage from the bank. Contact us to discuss what solutions we can provide to your real estate situation.  We provide free consultation to discuss the different options that are available to you. Office: 604-812-3718 Email: info@gvcps.ca

Are You Facing Bankruptcy? There Are Options Available

Are You Facing Bankruptcy? There Are Bankruptcy Options Available To You and We Can Help

When faced with financial problems, some people are left questioning their next move and are misled about what to do. If you find yourself facing a possible bankruptcy, it’s important that you know how bankruptcy will affect you and your family in the years to come and it is important to research all of your bankruptcy options before you declare bankruptcy.

Your Credit Rating & Bankruptcy Options in British Columbia

Bankruptcy is one of the worst things you can do to your credit rating. There is no easy way to obtain credit after you have legally eliminated your debts through bankruptcy. It takes time and patience before creditors will trust you enough to lend you money again. Not being able to take out a loan, renew your mortgage or apply for a low interest rate credit card can impact your financial plans and put your life on hold for years. It is important that you research all of the bankruptcy options that are available to you.

Not all debts can be included in bankruptcy, e.g. secured debts will survive a bankruptcy because they can not be included. Unsecured debts, which some people call non secured debts, can be eliminated, however, debts that are included in a bankruptcy are not always discharged. Many people are also not aware that creditors, their bankruptcy trustee or the Office of the Superintendent of Bankruptcy (OSB) have the option to oppose someone’s discharge from bankruptcy.

If you are having trouble paying your mortgage and you are worried that you might be facing foreclosure, your mortgage lender can still foreclose regardless of whether you are bankrupt. Contact us for help right away as you will have more bankruptcy options available to you and you will avoid foreclosure if you obtain help sooner than later. We have helped many clients with bankruptcy options by helping our clients keep their equity in their property while protecting their credit from being ruined. Contact us today for free consultation to discuss the different bankruptcy options and bankruptcy foreclosure options that are available to you.604-812-3718 or info@gvcps.ca.

Secured Debts Not Discharged In Bankruptcy

A debt secured by a mortgage on an asset, such as your house or car, will not be discharged by bankruptcy. However, bankruptcy and secured debts complicate each other.

Property and Mortgage – Are your payments on the mortgage up to date? If not, your mortgage lender can foreclose regardless of whether you are bankrupt. In the case of a house, are your payments on municipal taxes and utilities up to date? If not, the city or BC Hydro can place a lien on the house, changing those debts from unsecured to secured.

Equity in the Property – If you have positive equity, beyond any limit on its bankruptcy exemption value, the excess is considered an asset to be included in your bankruptcy estate. This can happen by your Licensed Insolvency Trustee’s seizing and selling the asset. However, if you can get the amount from some source like your family, you could keep the asset.

A general summary of the equity you are able to keep is – Equity in your primary residence in Greater Vancouver and the Greater Victoria Regional District = $12,000. Outside these districts, the amount is = $9,000.

We provide free consultation to discuss the different bankruptcy options and bankruptcy foreclosure options that are available to you. We are available 7 days per week including evenings until 9:00 pm. You can get more information about avoiding bankruptcy and avoiding foreclosure by calling us at 604-812-3718 or emailing us info@gvcps.ca.

Debts That Can Be Included In Bankruptcy

  • Credit card debt including retail store cards
  • Unsecured lines of credit
  • Personal loans not secured by any asset
  • Income tax, HST and property taxes
  • Unpaid utility bills, cable and phone bills, insurance or membership payments
  • Medical bills
  • Payday loans

Unsecured Debts Not Discharged In Bankruptcy

  • Student loans if it has been less than 7 years since your ceased being a student
  • Government overpayments, e.g. if you were paid too much in EI benefits, you will still need to repay the surplus
  • Alimony and child support
  • Fines and penalties imposed by the court
  • Debts due to fraud

Our Team of Legal Experts Can Advise You With Bankruptcy Options Including:

A Consumer Proposal is a formal, legally binding process which involves a reduction of unsecured debt, or an extension of time for repayment of the debt, or both. The term of a Consumer Proposal must not exceed five (5) years, and no interest accumulates during the term of the Consumer Proposal. A Consumer Proposal is legally binding on all types of unsecured creditors (including government debts such as unpaid taxes and student loans) provided that the Consumer Proposal is accepted by creditors holding the majority in dollar value of proven claims. A Consumer Proposal is administered by a Licensed Insolvency Trustee.

A Debt Management Plan (“DMP”) is an informal (i.e., not legally binding) debt repayment plan which is arranged through a licensed, accredited, non-profit credit counselling organization. A credit counsellor works with the debtor and creditors to develop a more manageable and affordable debt repayment plan. Under DMP, credit card and similar unsecured debt payments are consolidated into one affordable payment which is made to the credit counselling service, who then distributes the payment to the creditors. Licensed, accredited, non-profit credit counsellors are effective in negotiating with creditors to reduce or eliminate interest, which helps reduce overall costs. Many types of debts, such as unpaid income taxes, student loans and other government debts cannot be part of DMP.

A Consolidation Loan is a loan provided by a bank, credit union or finance company to pay out other debts and consolidate several monthly payments into one monthly payment. A consolidation loan requires an application and approval by the lender, who will consider the debtor’s credit rating, income, assets and debts. Many lenders require the debtor to provide security or collateral for a consolidation loan. Interest rates on consolidation loans can be high and will vary from lender to lender.

Consolidate your debts with a home equity line of credit (HELOC): A home equity line of credit gives you access to the equity in your property and it is secured against your property. The interest rate is low because you are using your property as collateral. Alternatively, if you have little or No Equity and need to sell your property but cannot sell through traditional methods or if you are having mortgage payment problems, we can either buy your property for cash or take over your mortgage payments and the property associated with it.

Our Company, GVCPS, is a real estate investment Company who has experience and knowledge regarding the Bankruptcy laws in BC and we specialize in providing you with bankruptcy options and bankruptcy foreclosure options. Our interest is in helping our clients to resolve their financial burdens and to help them gain a fresh start on their financial future. Our mission is to counsel our clients to understand their individual needs and then provide our clients with the best solution to their situation.

There are certain bankruptcy rules that need to be followed. For more detailed information regarding bankruptcy laws in BC:

http://www.bclaws.ca/civix/document/id/complete/statreg/96078_01

http://www.bclaws.ca/civix/document/id/complete/statreg/28_98

We provide free consultation to discuss the different bankruptcy options and bankruptcy foreclosure options that are available to you. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca .You can also contact us 24 hours a day through our Contact Us Form (click here).

We Take Over Payments – House For Sale – GVCPS

We know the stress and hassles that you face when you need relief from your mortgage payments, when you need to sell your property but cannot sell through traditional methods or when your property has been listed with a realtor for many months and hasn’t sold.

Our Company, GVC Property Solutions Inc. (GVCPS), is a real estate investment Company who takes over mortgage payments and the property associated with it. We can also take over payments if your house is for sale and currently listed with a realtor.

How Does It Work – Take Over Payments House for Sale?

Through our Mortgage Take Over Program, we take over house payments and the house associated with it. We provide flexible, pre-negotiated Terms that can give you the best value for your property and can provide you with more money with none of the hassles normally involved in selling.

In most cases, we take over the entire mortgage payment as well as all of your other monthly financial obligations regarding the property on your behalf that may include; property taxes, property insurance, monthly strata fees as well as any repair and maintenance costs.

Take over payments house for sale provides you with cash flow management solutions:

When we take over payments house for sale through our Mortgage Take Over Program, you are provided with immediate monthly cash flow management solutions to unmanageable or unwanted mortgage payments along with protecting any equity you may have in the property and protecting your credit.

We Take Over Mortgage Payments For Any Property Type

We take over mortgage payments for any property type: houses, duplexes, town homes, condos and multi-family residential development projects that are any price and in any location in Vancouver, BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC. Contact us today with any questions you have 604-812-3718 or info@gvcps.ca.

Our Company does not charge any fees or real estate commissions and in most cases, we take over payments house for sale even if the house requires extensive repair or renovations – we take over the mortgage payments and the property in as-is condition.

Are You Behind On Your Mortgage Payments? Are You Facing Pre-foreclosure?

Our Company specializes in helping clients in pre foreclosure situations who want to avoid foreclosure. If you are in pre foreclosure, we can help you reinstate your mortgage with your lender and bring your mortgage back into good standing.  We will take over your mortgage payments and the property associated with it along with protecting any equity you may have in the property and protecting your credit.

We provide free consultation to discuss the different options that are available to your situation. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca. You can also contact us 24 hours a day through our Confidential Form (click here).

Pre Foreclosure Homes Take Over Payments Program – GVCPS

Nothing impacts your credit score and financial plans as adversely as missing your mortgage payments. For most people in BC, a mortgage is the biggest loan you will ever be responsible for. Failing to keep up with your mortgage payments will not just end up with your property going into foreclosure it will also make life extremely difficult for you moving forward.

If you are unable to pay your mortgage, not able to renew your mortgage, not able to take out a loan or apply for a low interest rate credit card due to your credit score being impacted from missed mortgage payments, this can impact your financial plans and put your life on hold for years.

The pre-foreclosure stage is the initial stage of the foreclosure process when your bank has taken legal action by hiring a lawyer to assist the bank to ensure a speedy and effective resolution of your mortgage in default.

The bank’s lawyer will issue you a demand letter demanding payment for either your missed mortgage payments, acceleration and demand for the full mortgage balance, a combination of the two or a demand for the full balance of the mortgage after the mortgage has matured and note events of default.

If you can not or have not met the terms of your lender’s demand letter and after the demand period expires, the foreclosure proceedings will continue against you in Supreme Court.

Mortgage Problems and Solutions – Pre Foreclosure Homes Take Over Payments Program

Our Company, GVCPS is a real estate investment company who specializes in pre foreclosure homes take over payments. If you are in pre foreclosure, we can help you reinstate your mortgage with your lender and bring your mortgage back into good standing to avoid your lender foreclosing on your property.

Contact us with any questions that you have 604-812-3718. Or email us info@gvcps.ca. Time is of the essence if you are facing pre foreclosure and we offer free consultation regarding different options to keep your mortgage in good standing with your lender to avoid foreclosure.

Along with our pre foreclosure homes take over payments program, we take over mortgage payments from clients who need relief from their mortgage or property situation for any reason. We provide you with monthly cash flow management solutions to an unmanageable or unwanted mortgage and property situation.

We help relieve your financial stress around real estate along with protecting any equity you may have in the property without charging you any real estate fees or commissions.

Our pre foreclosure homes take over payments program will also help protect your credit record regarding any of your missed mortgage payments. Your credit record along with any of your remaining equity in the property is less likely to be affected if you are proactive when you first start having mortgage payment problems or when you are proactive in the pre-foreclosure take over payments stage rather than the later stages of the foreclosure process.

When financial circumstances impact your ability to make regular mortgage payments, it’s important that you address the issue immediately. With early intervention, cooperation and a well-executed plan, you can work together with one of our mortgage professional to find a solution to your mortgage problems.

Through our pre-foreclosure take over payments program, we offer free consultation regarding different options to keep your mortgage in good standing with your lender and to avoid foreclosure. In every case, the options available to you will depend on your individual financial circumstances.

If you have questions regarding how our pre foreclosure homes take over payments program works, please contact us 604-812-3718 or info@gvcps.ca

Address any difficulties you are having with your mortgage payments immediately. Acting fast will help to keep your best options open to resolve your situation and to avoid foreclosure.

Do not wait until you receive telephone calls from your mortgage lender or a formal demand letter from your mortgage lender’s lawyer regarding your missed mortgage payments, by then, the formal foreclosure proceeding has started and your lender may be unwilling to accept any outstanding payments from you.

Our Company specializes in taking over mortgage payments and the property associated with it for people who require a solution to their mortgage and property situation.

We successfully take over mortgages and properties and provide immediate solutions that enable people who need to move on from their situation to keep their former monthly mortgage payment in their pocket or bank account.

When unforeseen financial circumstances impact your ability to make regular mortgage payments, it’s important for you to take quick action. It is important that you address the issue immediately and work together with a mortgage professional to find a solution.

Our Company, GVCPS, is a Real Estate Investment Company who has mortgage professionals that specialize in pre-foreclosure homes and taking over payments. With early intervention, cooperation, and a well-executed plan, we offer free consultation regarding different options to keep your mortgage in good standing with your lender and to avoid foreclosure.

Through our pre-foreclosure take over payments program, we take over your mortgage payments and the property associated with it.

Alternative to Bankruptcy – A Detailed Guide By GVCPS

Alternative to Bankruptcy – A Detailed Guide By GVCPS

Bankruptcy is not an easy way out. People who file bankruptcy are not walking away from their debts with no consequences. In addition, despite popular belief, not all debts can be discharged by claiming bankruptcy. Bankruptcy and debt can be very complicated. Personal bankruptcy is an option of last resort for people who are overwhelmed with debts they cannot repay. Finding alternatives to bankruptcy and getting more information is important before taking such a drastic step.

Personal Bankruptcy in Vancouver BC – Bankruptcy might be the first thing you think of when you realize that you can’t keep up with your debts. Before declaring bankruptcy, you need to know what your alternatives to bankruptcy are, how the process works and how it will affect you and your family in the years to come. Let us help you avoid a mistake by explaining all of your alternatives to bankruptcy first.

Not all debts can be included in bankruptcy, e.g. secured debts will survive a bankruptcy because they can not be included. Unsecured debts, which some people call non secured debts, can be eliminated, however, debts that are included in a bankruptcy are not always discharged. Many people are also not aware that creditors, their bankruptcy trustee or the Office of the Superintendent of Bankruptcy (OSB) have the option to oppose someone’s discharge from bankruptcy.  There are certain bankruptcy rules that need to be followed. For more detailed information regarding bankruptcy laws:

Debts That Can Be Included In Bankruptcy

  • Credit card debt including retail store cards
  • Unsecured lines of credit
  • Personal loans not secured by any asset
  • Income tax, HST and property taxes
  • Unpaid utility bills, cable and phone bills, insurance or membership payments
  • Medical bills
  • Payday loans

Unsecured Debts Not Discharged In Bankruptcy

  • Student loans if it has been less than 7 years since your ceased being a student
  • Government overpayments, e.g. if you were paid too much in EI benefits, you will still need to repay the surplus
  • Alimony and child support
  • Fines and penalties imposed by the court
  • Debts due to fraud

Secured Debts Not Discharged In Bankruptcy

A debt secured by a mortgage on an asset, such as your house or car, will not be discharged by bankruptcy. However, bankruptcy and secured debts complicate each other.

  • Property and Mortgage – Are your payments on the mortgage up to date? If not, the mortgagor can foreclose regardless of whether you are bankrupt. In the case of a house, are your payments on municipal taxes and utilities up to date? If not, the city or BC Hydro can place a lien on the house, changing those debts from unsecured to secured.
  • Equity in the Property: If you have positive equity, beyond any limit on its bankruptcy exemption value, the excess is considered an asset to be included in your bankruptcy estate. This can happen by your Licensed Insolvency Trustee’s seizing and selling the asset. However, if you can get the amount from some source like your family, you could keep the asset.
  • A general summary of the equity you are able to keep is: Equity in your primary residence in Greater Vancouver and the Greater Victoria Regional District = $12,000. Outside these districts, the amount is = $9,000.

If you are having trouble paying your mortgage and you are worried that you might be facing foreclosure, your mortgage lender can still foreclose regardless of whether you are bankrupt. Contact us for help right away as you will have more alternatives to bankruptcy available to you and you will avoid foreclosure if you obtain help sooner than later. We have helped many clients with alternatives to bankruptcy by helping clients keep their equity in their property while protecting client’s credit.

We provide free consultation to discuss the different alternatives to bankruptcy and alternatives to bankruptcy foreclosure that are available to you. We are available 7 days per week including evenings until 9:00 pm. You can get more information about avoiding bankruptcy and avoiding foreclosure by calling us at 604-812-3718 or emailing us info@gvcps.ca.

Your Credit Rating & Bankruptcy in British Columbia

Bankruptcy is one of the worst things you can do to your credit rating. There is no easy way to obtain credit after you have legally eliminated your debts through bankruptcy. It takes time and patience before creditors trust you enough to lend you money again. Not being able to take out a loan, renew your mortgage or apply for a low interest rate credit card can impact your financial plans and put your life on hold for years. It is important that you research all of the alternatives to bankruptcy that are available to you.

Our team of legal experts can advise you with Alternative to Bankruptcy including:

  • A Consumer Proposal is a formal, legally binding process which involves a reduction of unsecured debt, or an extension of time for repayment of the debt, or both. The term of a Consumer Proposal must not exceed five (5) years, and no interest accumulates during the term of the Consumer Proposal. A Consumer Proposal is legally binding on all types of unsecured creditors (including government debts such as unpaid taxes and student loans) provided that the Consumer Proposal is accepted by creditors holding the majority in dollar value of proven claims. A Consumer Proposal is administered by a Licensed Insolvency Trustee.
  • A Debt Management Plan (“DMP”) is an informal (i.e., not legally binding) debt repayment plan which is arranged through a licensed, accredited, non-profit credit counselling organization. A credit counsellor works with the debtor and creditors to develop a more manageable and affordable debt repayment plan. Under DMP, credit card and similar unsecured debt payments are consolidated into one affordable payment which is made to the credit counselling service, who then distributes the payment to the creditors. Licensed, accredited, non-profit credit counsellors are effective in negotiating with creditors to reduce or eliminate interest, which helps reduce overall costs. Many types of debts, such as unpaid income taxes, student loans and other government debts cannot be part of DMP.
  • A Consolidation Loan is a loan provided by a bank, credit union or finance company to pay out other debts and consolidate several monthly payments into one monthly payment. A consolidation loan requires an application and approval by the lender, who will consider the debtor’s credit rating, income, assets and debts. Many lenders require the debtor to provide security or collateral for a consolidation loan. Interest rates on consolidation loans can be high and will vary from lender to lender.
  • Consolidate your debts with a home equity line of credit (HELOC): A home equity line of credit gives you access to the equity in your property and it is secured against your property. The interest rate is low because you are using your property as collateral. Alternatively, if you have little or No Equity and need to sell your property but cannot sell through traditional methods or if you are having mortgage payment problems, we can either buy your property for cash or take over your mortgage payments.

Our Company, GVCPS, is a real estate investment Company who has experience and knowledge regarding the Bankruptcy laws and specializes in providing you with Alternative to Bankruptcy. Our interest is in helping our clients to resolve their financial burdens and to help them gain a fresh start on their financial future. Our mission is to counsel our clients to understand their individual needs and then provide our clients with the best solution to their situation.

We provide free consultation to discuss the different options that are available to you. We are available 7 days per week including evenings until 9:00 pm. Call 604-812-3718 or email: info@gvcps.ca .You can also contact us 24 hours a day through our Confidential Form (click here).