I Need To Sell My House Fast. We Buy Houses Quickly. Contact Us

I Need To Sell My House Fast – Sell to Us. We Buy Houses, Townhomes and Condos Quickly in Any Situation

Are you in a situation where “I need to sell my house fast”.  Our Company, GVC Property Solutions Inc. (GVCPS), is a well-established Real Estate Investment Company. We are ‘Sell my house fast’ Real Estate Investors that buy houses, townhomes and condos quickly in any location of Vancouver, BC, the Lower Mainland, BC and the Fraser Valley, BC.

I need to sell my house fast. How can your Company help me? We have been operating for 25 years buying houses, townhomes and condos, providing professional house selling solutions to people who are experiencing difficulty selling their property through traditional methods, people who are experiencing difficulty paying their mortgage payments each month and people who require relief from their property situation for any reason.

  • We are not realtors and we do not charge any real estate commissions when we buy your house, townhome or condo.
  • We utilize our own funds to buy your house, townhome or condo and we do not need to rely on bank financing, enabling us to buy your property immediately or at a later date that is more convenient with your timeline.

There Are Many Common Reasons Why People Want to Sell a House Fast:


  • Financial stress that requires an immediate sale of your property
  • You have a house that is too stressful to manage
  • Your listing has expired with your realtor
  • You are making payments on two or more properties
  • You are tired of being a landlord and dealing with tenant problems and damages
  • You need an immediate and flexible sale due to a job transfer or for any other reason
  • You have special circumstances – serious house damage, hoarder situation, etc.
  • You need relief from your mortgage or property situation for any reason
  • You have minimal equity but need to sell now
  • You have a house that is too costly to maintain
  • You prefer not to sell through a realtor and be inconvenienced with realtor showings
  • The property is in PRE foreclosure
  • You want to avoid bankruptcy or a consumer proposal
  • You are divorcing and need to sell

We Buy Houses Quickly That Are In Any Condition and Situation

We buy houses, townhomes and condos in any condition.  If the property requires extensive repairs, it does not matter, we can still buy the property as-is. Contact us to discuss your house, townhome or condo in more detail. When we purchase your property as-is, all that is required from you is to move all personal items and furniture out of the property before the closing date. There are no repairs required on your end and it does not matter if the property requires extensive repair – we will buy your house, townhome or condo in it’s current condition as-is.

When you need to sell your house fast, contact us, regardless of your situation or the age or condition of your house, townhome or condo. We understand the stress and hassles that you face when you are in a difficult real estate situation. Our Company has the ability to make a difficult situation very simple.

When you say – I need to sell my house fast, we make it a priority to reduce and eliminate that stress. We have handled hundreds of purchase situations, helping many people facilitate a non-stressful real estate transaction.

We are part of a large network of Real Estate Professionals who’s staff and business associates have extensive hands-on experience in all areas of real estate ranging from legal, real estate consultants, mortgage consultants and financial investors. Some of our business associates have been doing this business for well over 30 years buying residential and commercial real estate in Vancouver, BC and surrounding areas.

I need to sell my house fast. Who buys houses quickly in Vancouver, BC, the Lower Mainland, BC and the Fraser Valley, BC?

We are ‘sell my house fast’ Real Estate Investors that specialize in buying houses, townhomes and condos quickly that are any age, in any condition, in any situation and in any location of Vancouver, BC, the Lower Mainland and Fraser Valley, BC.

I am a developer and I need to sell my houses fast. Can you buy all of my houses, townhomes and condos in my development project? Yes, there is no limit to the amount of houses, townhomes and condos that we can buy from you if you are a developer, an investor or a homeowner.

I need to sell my house fast. How do you buy? We buy houses, townhomes and condos for cash or terms. We can buy your property immediately or at a later date that is more convenient with your timeline.

When you need to sell your house, townhome or condo contact us. We are the people who buy houses, townhomes and condos in Vancouver, BC, the Lower Mainland and the Fraser Valley, BC.

We are part of a large network of real estate professionals who specialize in buying property from people who are experiencing difficulty selling  people who are experiencing difficulty making their mortgage payments each month and people who just want out of their real estate situation for any reason. 

We don’t know how many months you’ve been trying to sell or have been looking for a solution to your situation. Don’t procrastinate. Don’t let your property situation become a liability or a burden. 

Are You Looking for Home Investors? We Buy Houses Fast. Contact Us.

Our Company, GVCPS, is a real estate investment company that buys houses, condos and townhomes in Vancouver, BC, the Lower Mainland and the Fraser Valley, BC. If you are a homeowner and you need to sell your house, townhome or condo quickly, our Company can buy your property regardless of your situation or the current real estate market conditions. 

We know the stress and hassles that you face when you need to sell your property but cannot sell through traditional methods, when you experiencing difficulty paying your mortgage payments, or when you just want out of your real estate situation for any reason. We buy houses, townhomes and condos that are any age and in any condition. We can provide you with a professional and customized house selling solution regardless of your circumstance. 

Our job is to provide you with immediate financial relief and peace of mind regarding your real estate situation. For the past 25 years, we have been buying houses, townhomes and condos and we work on a daily basis with people who are looking for a professional and friendly transaction who require an immediate and flexible sale or solution to their real estate situation.

If you are looking for home investors to buy your house fast, contact us. GVCPS Home Investors are in the business of buying houses, townhomes and condos and we are Property Investors who buy homes in any condition, any age, in any situation and in any location of Vancouver, BC, the Lower Mainland and the Fraser Valley, BC.

The advantage of selling your house, townhome or condo to a home investor is that – Investors utilize their own funds to purchase your property and do not need to rely on bank financing and can purchase your property immediately. This is a huge advantage if you are looking to sell quickly. When selling property through traditional methods with a regular buyer, typically the buyer will need to wait to be approved for bank financing. This delay can slow down the closing process and you may have to wait longer to complete the transaction or the deal may collapse altogether if the potential buyer can not get approved for mortgage financing. 

GVCPS Home Investors buy homes in any area of Vancouver, BC, the Lower Mainland and Fraser Valley, BC.  We purchase houses, townhomes and condos that are located in any neighbourhood of the Lower Mainland BC and the Fraser Valley, BC.

GVCPS Home Investors purchase houses, townhomes and condos in any condition. Regardless if the property is newly built or if the property requires extensive repairs, we can purchase the property in its’  “as-is” condition.

If the property has roofing, plumbing or electrical problems, has been damaged or has code violations, we can still purchase the property. We can buy the property if you have pest infestations, fire damage or mold issues. 

GVCPS Home Investors can close the transaction quickly. If you find that you need to sell immediately, we can get the process started quickly.

GVCPS, Home Investors also purchase rental properties. If you are a landlord that no longer wants to keep your rental properties, you can sell them directly and privately to us. Regardless if the property is occupied by problem tenants or is vacant, we can buy the property.

If you have already listed your property with a realtor, this is not an issue, we can still buy your house, townhome or condo in this situation.

We understand the stress and hassles that you face when you are in a difficult real estate situation. We don’t know how many months you’ve been trying to sell or have been looking for a solution to your situation. Don’t procrastinate. Don’t let your property situation become a liability or a burden. Contact us to discuss your situation in more detail and what solutions we can provide. We have handled hundreds of purchase situations and have helped many people facilitate a non-stressful real estate transaction.

I Am Looking For An Investor To Buy My House. Contact Us, We Buy Houses

If you are looking for an investor to buy your house; contact our Company, GVC Property Solutions Inc. (GVCPS), We are a well-established real estate investment company that buys houses, townhomes and condos in any condition and in any situation in Vancouver, BC, the Lower Mainland and Fraser Valley, BC.

In today’s challenging real estate market, selling a house, townhome or condo is not an easy process and we understand the financial stress and other difficulties that you face. Our job is to provide you with alternatives to the traditional way of selling your house. We have handled hundreds of purchase situations, helping clients facilitate a non-stressful real estate transaction that benefit all parties involved.

Regardless of your real estate situation, our professional real estate investors are available to discuss your situation, provide immediate solutions and make you a no-obligation offer to purchase your property.

Selling through traditional methods on MLS can take a few weeks or more to prepare the property for evaluation from a realtor and get the property ready for showing plus another several weeks of semi-interested buyers looking through the property without making any offers to buy the property. In situations like this, it may seem like the property will never sell. This uncertainty can cause alot of pressure that can leave you in a vulnerable mind set, perhaps causing you to miscalculate and make bad decisions that may effect you not only financially but emotionally as well.

Selling your house to our Company does not involve a realtor and we do not charge real estate commissions. We also do not need to go through the mortgage qualifying process through the bank. We utilize our own investment funds to purchase houses, townhomes and condos. Our Company performs hassle free, straight-forward purchase transactions to buy your property.

If we sound like a different home buyer – we are. We are real estate investors who buy houses in any condition. We have earned a reputation for fair dealing with 25 years of experience, providing clients with immediate financial relief and peace of mind regarding their real estate situation.

If you are looking for an investor to buy your house; you may be wondering – Is it possible to find an investor to buy my house for cash and where am I guaranteed to find investors looking to buy my house? Where can I find an investor to buy my house for cash or terms?

If you are looking for an investor to buy your house, the following resources are the easiest way to access an investor:

Online:  You can easily find an investor to buy your house by browsing online in the comfort of your living room.

Local Newspaper Ads: You can find an investor to buy your house in your local newspaper.  Investors that buy houses in the city or neighbourhood that you need to sell in, usually post adds in the Real Estate Wanted section of your local newspaper. Look for adds that say “We Buy Houses for Cash” or “We Buy Houses for Terms”.

Real Estate Investment Companies: Real Estate Investment Companies specialize in buying houses, townhomes and condos. Investors that buy residential property usually own their own Real Estate Investment Company.

If you are looking for an investor to buy your house, contact our Company, GVC Property Solutions Inc. (GVCPS). We are a Real Estate Investment Company that buys houses, duplexes, townhomes and condos that are any price, in any situation, in any condition and in any location of Vancouver, BC, the Lower Mainland and Fraser Valley, BC.

Contact us to discuss what solutions we can provide to your real estate situation.  We provide free consultation to discuss the different methods that we can utilize to buy your house, townhome or condo.

Take Over My Mortgage Payments? Contact Us. We Assume Mortgage Payments.

An assumable mortgage is a type of financial arrangement where an outstanding mortgage debt and it’s terms are transferred from the current mortgage holder to a new buyer. Our Company, GVCPS, is a Real Estate Investment Company that specializes in assuming mortgage payments if you are experiencing difficulty paying your mortgage payments each month or if you require relief from your house, townhome or condo for any reason, in any location of Vancouver, BC, the Lower Mainland, Fraser Valley, BC.

Do You Charge Any Fees or Commissions When You Take Over my Mortgage Payments? No, we do not charge any real estate commissions or fees when we take over your mortgage payments.

What Happens to the House, Townhome or Condo When You Take Over My Mortgage Payments?

We assume mortgage payments and the property associated with the mortgage regardless of the condition of the property.

If you need relief from unmanageable or unwanted mortgage payments, we can assume your mortgage payments and take over the property associated with your mortgage. 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 and monthly strata fees.

Talk to one of our Professional Real Estate Consultants, it is important to understand that a mortgage that has been assumed by a third party does not mean that you, the original mortgage holder, are not still responsible for the mortgage debt and the mortgage payments. You may still may be held liable for the mortgage debt and payments, which, in turn, could affect your credit rating. To avoid this, you must release your liability in writing at the time of the mortgage assumption and the lender must approve the release request by releasing you from all liabilities in regards to the mortgage loan.  Our experienced Real Estate Consultants can help you to ensure that the process is performed correctly with your mortgage lender.

  • An assumable mortgage transaction is where the lender will allow our Company to take over or “assume” your mortgage without changing any of the terms of the mortgage. An assumable mortgage allows us to assume your current principal balance, interest rate, repayment period and any other contractual terms of the mortgage.
  • When we assume mortgage payments, 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. If you are in a situation where our Company assuming mortgage payments will provide you with solutions, our Real Estate Consultants will review your original mortgage documents to ensure that your mortgage debt is assumable. We will discuss assuming your mortgage debt with your mortgage lender in detail and also provide you with further support throughout the remaining assuming mortgage payment process.

Some mortgage lenders have option clauses in their mortgage contracts that expressly forbid assumptions of the mortgage, or, the mortgage contract specifies that the mortgage must be paid out on the sale of the property. If this is the case with your mortgage loan, we can still provide you with solutions to your mortgage payments. Even if your mortgage is not assumable, we still can provide solutions to your situation.

When We Assume Mortgage Payments, Our Real Estate Consultants Will Consider the Following:

  • Compare interest rates: It may make financial sense to assume the existing loan at a lower interest rate than the current rate.
  • Compare loan fees: Lenders are required to give borrowers a loan estimate, which is an estimate of closing costs which consists of all the costs associated with obtaining a mortgage.
  • Obtain a copy of the property title and copy of the mortgage agreement: We will verify if there are any other charges registered against the property and verify if the mortgage debt is truly assumable, if the mortgage debt is not assumable, we can still provide you with alternative solutions to your mortgage and property situation.

How Long Will it Take For You to Take Over My Mortgage Payments?

We know the real estate and mortgage industry. If you are facing  difficulties paying your mortgage payments each month, we can take over your mortgage payments immediately or at a later date that is more convenient with your timeline. We can assume your mortgage payments and take over the house, townhome or condo associated with the mortgage regardless of your situation.

When we assume mortgage payments, 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.

ARE YOU FACING MORTGAGE PAYMENT PROBLEMS?

If you are facing mortgage payment problems, ensure that your mortgage lender is abiding by your mortgage contract in regards to charging you late fees, penalty fees and higher interest rates on your mortgage payment arrears.

If you are experiencing mortgage payment problems, it can be an overwhelming experience, leaving you feeling uncomfortable and unsure of what to do. When unforeseen financial circumstances impact your ability to make regular mortgage payments, it’s important for you to take quick action. A wider variety of solutions will be available to you the sooner you act.

If you are having trouble making your mortgage payments each month, defaulting on your mortgage may add to the cost of various fees imposed by your mortgage lender on the amount that you already owe, depending on your mortgage contract.

Section 8 of the Federal Interest Act of Canada is intended to protect property owners against abusive lending practices, while recognizing that generally speaking, parties are entitled to freedom of contract. The prohibition against extra charges on arrears remains in place for loans secured by a mortgage.

While the Interest Act provides some protection for consumers with regard to interest and prepayment charges, banks have taken advantage of loopholes and gaps in the law to the detriment of consumers, which has resulted in an unregulated system. In 2010, the federal government’s budget included a promise to bring clarity to the subject of mortgage penalties. Despite the promises made by the federal government in the 2010 budget, still no progress has been made.

The federal Interest Act of Canada prohibits any fine, penalty or an interest rate in a mortgage that has the effect of increasing the charge on arrears higher than the mortgage rate which would apply if the borrower was in good standing.

If you are experiencing mortgage payment problems and are facing foreclosure, be sure to review the fees and charges that are being charged to your account by your mortgage lender as they may not be enforceable.

Our Company understands the stress and hassles that you face when you are experiencing unmanageable or unwanted mortgage payments, experiencing difficulty selling your house, townhome or condo through traditional methods or when you just need relief from your property situation for any reason.

When you are in a difficult real estate situation, you need an immediate and professional solution, contact us. We don’t know how many months you’ve been trying to sell or have been looking for a solution to your situation. Don’t procrastinate. Don’t let your property situation become a liability or a burden.

Residential Property Management Services You Can Count On

 

Do You Need Residential Property Management Services? Ask Us

When a property owner lives far away from their investment, residential property management is useful. Residential property management services are an excellent way to ensure an income-producing property is earning its maximum revenue at the lowest cost or helping a property owner to turn a negative cash flow property into a positive cash flow investment.

Saving you time and worry over vacancies and marketing your rentals, we take residential property management to a whole new level. Our residential property management company interacts directly with potential tenants and existing tenants, by collection rent, handling maintenance and repair issues, responding to tenant complaints, and pursuing tenant evictions.

Our Residential Property Management Services Increase the Value of the Investment Property:

By taking preventative measures, our residential property management team at GVCPS deal with maintenance and repair issues immediately, before they grow into larger, more costly problems. We achieve this by putting systems in place where we require a written maintenance check program, detailed maintenance documentation and regular maintenance visits. We offer you feedback on upgrades and modifications and explain to you how it affects any rent changes and also its impact on insurance.

Here’s a sample of what we can do for you:

  • Maximize the net income of your property
  • Advertise your property across multiple platforms
  • Low eviction risk with professional tenant screening
  • Negotiate leases
  • Collect rent
  • Maintain the interior and exterior of the property
  • Supervise disbursements
  • Screen contractors
  • Manage landlord and tenant relations
  • Conduct regular inspections of your property
  • Manage safety and environmental issues
  • Email monthly reports

The greatest benefit we offer is peace of mind. Many of our owner clients find managing their own investment property to be challenging. It’s easy to become personally and emotionally involved with the property and the tenants. We help you see your rental property as a business and instead of becoming emotionally involved, we implement consistent procedures that ensure your business is run efficiently and profitably.

Our highly qualified property management professionals will take the frustrations of being a landlord off your hands. You’ll find our management fee usually pays for itself when we are able to increase your property’s income potential and cash flow, reduce maintenance expenses and protect you from legal and liability issues.

We Are Ugly Home Buyers. We Buy Homes in Any Condition. Contact Us.

Ugly Home Buyers – We Buy Houses, Townhomes and Condos “As-Is” That Are In Any Condition in Vancouver, BC, the Lower Mainland, BC and the Fraser Valley, BC.

An “Ugly House” is a term that is used by real estate investors when a property has physical damage and the property is in need of extensive repair. If your house, condo or townhome requires extensive repair or if your kitchen came directly from a 1960’s shopping catalog and you need to sell quickly or if you just need to get out of whatever property situation you are in, contact our Company, GVCPS. We are ugly home buyers and we buy houses, townhomes and townhomes that are in any condition, in any situation and in any location of Vancouver, BC, the Lower Mainland and the Fraser Valley, BC.

If you are in a situation where you don’t have the time or money to get your house, townhome or condo ready to sell with or without a realtor, we can help. Our professional Real Estate Investment Team at GVCPS can buy your property in any situation. We buy houses, townhomes and condos that are difficult to sell quickly, regardless of the condition of the property and we do not charge any real estate commissions when we buy your property.

We are “ugly home buyers” that will buy your house, townhome or condo if you are facing one or more of the following difficulties: 

  • In order to sell your house with or without a realtor, your property requires extensive repair that you do not have time or money for
  • You have a house that is too costly to maintain
  • You have a house that is too stressful to manage
  • You are tired of being a landlord and dealing with tenant problems and damages
  • You are having difficulty making your mortgage payments each month
  • You just want out of your mortgage or property situation for any reason
  • Your property has been listed with a realtor for many months and hasn’t sold
  • You are making payments on two or more properties
  • Financial stress that requires an immediate sale of your property
  • You have minimal equity but need to sell now
  • You need to rent a dumpster just to clean out the house and no one will buy it in it’s current condition
  • You are an out of town owner and you don’t want to be a long distance landlord
  • Your listing has expired with your realtor
  • Your mortgage is higher than the property value
  • You need an immediate and flexible sale due to a job transfer or for any other reason
  • You are facing PRE foreclosure
  • You want to avoid bankruptcy or a consumer proposal
  • You are divorcing and need to sell
  • You have a costly mortgage penalty but need to sell now
  • Your house is too big or too small and you need a convenient and flexible solution
  • Your strata property has rental restrictions and you are experiencing difficulty selling while paying mortgage payments on a vacant property
  • You prefer not to sell through a realtor and be inconvenienced with realtor showings
  • You are anxious to move to another property and do not want to list your property on MLS
  • You own your property free and clear and would like to acquire some of your equity now and the remainder of your equity at closing
  • You have a vacant property and the liability of this house sitting vacant is too much risk
  • You have been avoiding selling due to one or more of the above problems

We are ugly home buyers and we specialize in purchasing ugly homes from home sellers who want to sell their property fast. Are you wondering how you can move on from your current property situation without worrying about a long list of repairs or renovations and paying thousands of dollars out of your pocket for repairs? If you are unable to make your property repairs and improvements and can’t find a buyer on MLS through your realtor, it’s important to have an alternate solution.

Not everyone is capable of putting tens of thousands of dollars into repairs for an ugly home. Renovating an ugly home involves alot of risk and you may not get the money back that you spend out of pocket on repairs or renovations if the real estate market is not in your favor when you attempt to sell the property. What can you do to gain some freedom from the stress of an ugly house?

When you are ready to move on from an ugly house situation and you can’t wait for the traditional sales process through a realtor on MLS, contact a company that buys ugly houses. Our Company purchases houses that are ugly with flexibility and convenience so you can move on from your property situation. with peace of mind.

We are ugly home buyers that specialize in buying houses quickly. We provide professional house selling solutions when we buy your house, townhome or condo. Our ugly home buyer team at GVCPS buys houses for cash or terms in any condition and in any location in Vancouver, BC, the Lower Mainland, Fraser Valley, North Vancouver, West Vancouver and Squamish, BC.

We don’t know how many months you’ve been trying to sell or have been looking for a solution to your situation. Don’t procrastinate. Don’t let your property situation become a liability or a burden. Contact us to discuss your situation in more detail and what solutions we can provide. We have handled hundreds of purchase situations and have helped many people facilitate a non-stressful real estate transaction.

How Can I Sell My House Fast? We Buy Houses Quickly. Contact Us.

 

How Do I Sell My House Fast? We Buy Houses Quickly in Vancouver, BC, the Lower Mainland, BC and the Fraser Valley, BC

Our Company, GVC Property Solutions Inc. (GVCPS), is a well established Real Estate Investment Company that buys houses quickly. If you are one of the many people searching for “I Need To Sell My House Fast”, contact us. We are professional home buyers and we buy houses from homeowners every day who are looking for the best option to sell a house fast. We also buy townhomes and condos.

Our Company is part of a large network of real estate professionals who specialize in purchasing property from people who need to sell their house, townhome or condo quickly for any reason but cannot sell or prefer not to sell through traditional means.

Along with our affiliated Companies, we have been operating for 25 years, buying houses, townhomes and condos that are any age, in any condition and in any location in Vancouver BC, the Lower Mainland, BC and the Fraser Valley BC.

We are not realtors or mortgage brokers – we are a Real Estate Investment Company that buy houses, townhomes and condos quickly regardless of your situation. We offer immediate and professional house selling solutions and we do not charge any real estate commissions. If you are facing one or more of the following difficulties, our Company can buy your property with flexibility and convenience.

  • Financial stress that requires an immediate sale of your property
  • You need relief from your mortgage or property situation for any reason
  • Your listing has expired with your realtor
  • Your mortgage is higher than the property value
  • You need an immediate and flexible sale due to a job transfer or for any other reason
  • Your property has been listed with a realtor for many months and hasn’t sold
  • You have a house that is too costly to maintain
  • You have a house that is too stressful to manage
  • You are tired of being a landlord and dealing with tenant problems and damages caused by tenants
  • You are having difficulty making your mortgage payments each month
  • You are making payments on two or more properties
  • You are facing PRE foreclosure
  • You want to avoid bankruptcy or a consumer proposal
  • You are an out of town owner and you don’t want to be a long distance landlord
  • Your property is in need of extensive repair that you do not have time or money for

Sell my house, townhome or condo fast that is causing me financial stress:

When you sell your house, townhome or condo to us, 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.

Are you tired of being a landlord and dealing with tenant problems? Sell your rental house, townhome or condo:

Sell your rental house, townhome or condo fast without having to spend time or money on repairs. We can buy your rental property as-is, regardless of the condition of the property.

Sell my house, townhome or condo fast that requires extensive repair:

You can sell your house, townhome or condo to us even if the property requires extensive repairs. We buy houses, townhomes and condos that are in any condition.  If your house, condo or townhome requires extensive repair and you need to sell quickly or if you just want out of your property situation for whatever reason, contact us.

Our process is simple. You tell us your property situation and we provide a professional house selling solution. We can buy your house, townhome or condo quickly as we utilize our own investment funds and we do not need to rely on bank financing to buy your house, townhome or condo.

We understand the stress and hassles that you face when you are in a difficult real estate situation. We don’t know how many months you’ve been trying to sell or have been looking for a solution to your situation. Don’t procrastinate. Don’t let your property situation become a liability or a burden. Contact us to discuss your situation in more detail and what solutions we can provide. We have handled hundreds of purchase situations and have helped many people facilitate a non-stressful real estate transaction.

Bankruptcy Options And Alternatives

Bankruptcy may be the only thing that comes to mind when you realize that you can’t afford to pay your debts, your mortgage payments and other bills. You may think that bankruptcy might be a good solution for your debt problems, however, you should know more about your bankruptcy options before taking such a drastic step – what are bankruptcy options?, how much will it cost to file for bankruptcy? how does the process work? and what are the consequences of filing for bankruptcy for me and my family in the future?

If you are experiencing financial difficulties and having problems paying your mortgage payments each month or if you have fallen behind on your mortgage payments and are facing Pre-Foreclosure, our Company, GVCPS, can help you with your debt to avoid a possible bankruptcy by showing you your other options first.

We are a Real Estate Investment Company that can provide you with bankruptcy alternatives and options. We can provide you 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. Our focus is to help you eliminate insurmountable debt and stress. We can help get your mortgage payments back on track or if your lender has issued you a demand letter for your missed mortgage payments, we can help reinstate your mortgage and bring the mortgage back into good standing if you act within the time limits that your lender has provided in their demand letter. If you ignore the demand letter from your lender, your lender will have no choice but to start the formal foreclosure process against you.

It may feel as though bankruptcy is your only option to solve your mortgage difficulties and other debt, however, many people do not explore alternative bankruptcy options first before filing for bankruptcy. More often than not, declaring bankruptcy isn’t a very wise financial decision. You should never take a step as serious as filing for bankruptcy without an accurate understanding of its true costs – some of which will include:

  1. Filing for bankruptcy is a very costly and time consuming process
  2. Your lender won’t allow you to renew your mortgage
  3. Your credit will be damaged severely when you file for bankruptcy
  4. Your credit will suffer for seven years (and in some cases up to 14) after a bankruptcy is discharged
  5. It will be difficult to get new credit cards and loans including a mortgage loan
  6. It will be difficult to obtain the most affordable mortgage, rent and interest rate on credit products, impacting your financial plans and putting your life on hold
  7. A bankruptcy will also force you to surrender a great deal of your property and other assets. Unless other arrangements are made, you will have to surrender:
  • home equity in excess of $12,000 in Vancouver, BC and Victoria, BC and $9,000 elsewhere in British Columbia
  • vehicle equity in excess of $5,000
  • the value of household items such as furniture minus $4,000
  • equity in tools of your trade worth over $10,000

We can provide you various bankruptcy options and alternatives. Contact us for Free consultation. Office: 604-812-378 or Email: info@gvcps.ca.

Explore Bankruptcy Options and Alternatives and Be Aware of the Following Bankruptcy Facts:

If you have assets or too much equity in your property, above what you’re allowed to keep in BC, your trustee will sell your property and your assets. It’s not well known, but it takes at least 9 months to go through all the steps of the bankruptcy process. As part of the process, you make payments to your trustee for the costs and fees of going bankrupt, and you also have to attend two bankruptcy counselling sessions. Completing the process and getting discharged takes longer if you need to pay extra to your creditors because of your situation.

You should also know that your bankruptcy trustee, your creditors, the Office of the Superintendent of Bankruptcy or the Court can oppose or delay your discharge. Depending on your circumstances, you may need to attend a hearing, answer questions under oath and/or meet the additional requirements to obtain your discharge from bankruptcy.

There are many bankruptcy options and bankruptcy alternatives available. Contact us to provide you with bankruptcy options and alternatives to you situation. We specialize in helping clients protect equity in their property as well as protecting their credit.

References:
Debt.ca
Credit Counseling Society of Vancouver, BC

Do You Need Foreclosure Prevention Assistance? We Can Help. Contact Us

If you need Foreclosure Prevention Assistance, we can help you prevent foreclosure. Have you missed payments on your mortgage loan? Are you facing foreclosure? You’re not alone and you may still have options. If you’re looking into how to avoid foreclosure, contact our Company, GVCPS.

We specialize in providing 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. Unexpected financial circumstances can happen to anyone and we can can help you prevent foreclosure.

When you default (don’t make a payment) on your mortgage, you don’t automatically lose the property. If you miss a payment, your mortgage lender has the right to accelerate (speed up) the mortgage contract (terms of the mortgage).

This allows your lender to claim the full mortgage balance you owe plus interest and other costs, even though the mortgage term hasn’t yet expired. Your lender can use the legal process of foreclosure to repossess (take back) the property or sell the property to pay the mortgage debt.

As soon as you miss a payment, most lenders act quickly. They often send a reminder letter first. If they don’t hear from you or if your lender doesn’t receive your missed payment(s), your lender’s next step is to send you a demand letter. In BC, your lender or their lawyer must send you a demand letter before starting foreclosure proceedings.

If you have  received a demand letter and are facing foreclosure or if you are having difficulty making your payments, we can provide immediate solutions. Here are some ways we can help:

  • Our mortgage professionals understand the stress and hassles that you face when you are experiencing difficulty making your mortgage payments. We can help you get your payments back on track and to find a solution with your mortgage lender.
  • We can provide you 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 can help you reinstate the mortgage and bring your mortgage back into good standing with your lender.

Facing foreclosure can be an overwhelming experience leaving you feeling uncomfortable and unsure of what to do. You don’t have to face foreclosure alone. We have been providing foreclosure prevention solutions to clients for 25 years.

If you need to avoid foreclosure, we take over house payments and the property 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 or maintenance costs.

Prevent Foreclosure Proceedings Going to Supreme Court

If you don’t do what the demand letter asks, your lender can start foreclosure proceedings in BC Supreme Court by filing a petition against you. You may want to just ignore the demand letter, but be sure you know what the consequences are first. Doing nothing has serious consequences. Your mortgage lender can use the legal process of foreclosure to repossess (take back) the property to sell the property to pay off your mortgage debt.

The longer you wait to take action if you are having problems making your mortgage payments or if you have already missed a payment, the less options you will have available to you to prevent foreclosure.

How the Supreme Court Action Starts Against You with Foreclosure

  1. If you can’t reinstate or redeem your mortgage, your lender can start a court
    action to foreclose on your mortgage. This usually happens after you’ve missed
    three months of payments, however, it can happen sooner.
  2. To start the court action, your lender’s lawyer files a petition in a Supreme
    Court registry and registers a certificate of pending litigation in the land title
    office. If the property is located where there is a Supreme Court registry, your
    lender’s lawyer must file the petition in the local registry, unless you agree to
    a different court registry.
  3. If this isn’t the case, they must still file at a registry within the local judicial
    district. This is called the local venue rule. This rule prevents, for example,
    Vancouver-based lawyers from starting foreclosure actions in Vancouver when
    the property is in Kelowna or Prince George, without your consent.

The petition in foreclosure proceedings contains a list of what your lender wants the court to do, including:

  • Confirm that the mortgage and the debt exist.
  • Confirm the amount you owe, including principal plus daily interest, legal
    costs, and other costs.
  • Set the length of time you have to redeem your mortgage.
  • Grant a personal judgment for the mortgage debt (and in some cases
    unsecured debt that you may owe) against you and any guarantors.
  • If there’s a dispute over how much you owe, refer the file to a registrar
    (court official) for an accounting (calculation backed up with evidence).
  • In some circumstances, give your lender control of your property’s sale.
  • In some cases, request an Order Absolute instead of a redemption period and Order for Conduct of Sale.

If the court grants the Order Absolute, your lender takes title to the property and everyone living there must immediately move out.

If you are behind on your mortgage payments or if you are facing foreclosure, contact us to help you prevent foreclosure. We provide free consultation to discuss the different options that are available to you. We have solutions for foreclosure prevention.

In every case, the options available to you will depend upon your individual circumstances and it’s important for you to take quick action to avoid foreclosure. To increase the chance of successfully managing your financial situation through early intervention and preventing foreclosure, contact us at the first sign of financial difficulty.

Prevent Your Lender Selling the House Through Foreclosure 

At any stage before the court approves the sale of the property, or grants
your lender an Order Absolute you can stop a foreclosure by either reinstating or redeeming your mortgage.

Reinstate the mortgage

If you can come up with at least your missed payments, you may be able to have your mortgage reinstated. This means that you pay the arrears and then start your payments again. To reinstate, you have to pay any unpaid taxes, and you may have to pay a legal fee to cover the foreclosure action started against you. Your lender doesn’t have to allow reinstatement unless you get a court order.

Redeem your mortgage

If you can pay your lender in full what you owe on the mortgage, inform your lender right away. For example, you might arrange to sell the property yourself if your lender doesn’t have an Order for Conduct of Sale. Or you’ve arranged a new mortgage to pay off the old one. You have to provide one or more of the following as proof that you can pay off the mortgage:

A letter from a new lender saying the money is available to you
A letter from your banker saying the money is in a trust account
A letter from your lawyer saying the money is in the lawyer’s trust account

If you have the money and your lender doesn’t accept your offer to reinstate or redeem your mortgage, it may be possible to go to court and ask to stop the foreclosure. You need to give the court proof (written evidence) that you have the money.

Stop the foreclosure procedure prior to the foreclosure proceeding going to Supreme Court. If you are facing foreclosure you can receive free, confidential counseling from our foreclosure prevention team 604-812-3718 or info@gvcps.ca.

Do You Need Foreclosure Prevention Solutions?

The possibility of facing foreclosure can be an overwhelming experience leaving you feeling uncomfortable and unsure of what to do. You don’t have to face foreclosure alone.

If you require foreclosure prevention assistance for a house, duplex, townhome or condo, we can help you prevent foreclosure, get your payments back on track and remain in good standing with your mortgage lender through our Foreclosure Prevention Program.

As soon as you miss a mortgage payment, most mortgage lenders act quickly. They will call you and they will often send you a reminder letter first. If your mortgage lender does not hear from you or doesn’t receive your missed payment after they contact you, your lender will then take the next step in the foreclosure process and send you a demand letter. In BC, your mortgage lender or their lawyer must send you a demand letter before starting foreclosure proceedings. If you miss one or more of your mortgage payments, your lender has the right to accelerate (speed up) your mortgage contract This allows your mortgage lender to claim the full balance you owe on your mortgage plus interest and other costs, even though your mortgage term hasn’t yet expired.

If you don’t do what the demand letter asks, your lender can start foreclosure proceedings in BC Supreme Court by filing a petition against you. You may want to just ignore the demand letter, but be sure you know what the consequences are first. Doing nothing has serious consequences. Your mortgage lender can use the legal process of foreclosure to repossess (take back) the property or sell the property to pay off your mortgage debt.

Through our Foreclosure Prevention Program, we can help you reinstate the mortgage and prevent foreclosure. You can reinstate a mortgage if the mortgage term hasn’t expired and your lender agrees to reinstatement. We provide you 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.

Through our Foreclosure Prevention Program, we provide free consultation to discuss the different options that are available to you. We have solutions for foreclosure prevention. In every case, the options available to you will depend upon your individual circumstances and it’s important for you to take quick action to prevent foreclosure.

Taking Over Someone’s Mortgage Payments? The Do’s & Dont’s

Anyone can sell you a mortgage; We can show you how to use your mortgage effectively to your financial advantage even if you are having difficulty paying your mortgage payments or have negative equity in the property.

Are you experiencing difficulty making your mortgage payments each month, experiencing difficulty selling your property or do you just want out of your real estate situation for any reason? Our Company, GVCPS, is a well-established Real Estate Investing Company that specializes in taking over mortgage payments and the property associated with the mortgage.

We take over mortgage payments for houses, townhomes and condos in any situation, in any condition and in any location of Vancouver, BC, the Lower Mainland and the Fraser Valley, BC. Our goal is to provide you with immediate financial relief and peace of mind regarding your real estate situation when we  take over your mortgage payments and the property associated wit the mortgage.

We provide you 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 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.

Are You Thinking About Taking Over Someone’s Mortgage Payments?

If you are planning on taking over someone’s mortgage payments, it is recommended that you seek the counsel of a mortgage professional or a legal adviser first.

There are many advantages of taking over someone’s mortgage payments, however, taking over someone’s mortgage payments is a big decision to make. Going about it the wrong way can prove costly in the long run that may affect your ability to borrow in the future.

The Do’s and Don’ts of Taking Over Someone’s Mortgage PaymentsDO the Following:

  • Prior to taking over someone’s mortgage payments, seek counsel from a professional mortgage consultant at a Real Estate Company or a legal advisor
  • Before you make the commitment to take over someone’s mortgage payments, ensure that you are financially capable of taking on this extra monthly expense, especially if this will be a long-term arrangement
  • Ensure that there is a legal agreement in place between you and the person(s) who owns the mortgage debt and the person(s) who are registered on the property title that clearly outlines all of the terms and conditions that you and the other party(ies) have agreed to
  • Verify through the mortgage and property title documentation who all persons are that are registered on both the mortgage loan and the property title

DON’T Do the Following When Taking Over Someone’s Mortgage Payments:

  • Don’t pay the person who owns the mortgage debt directly. Pay the mortgage lender directly to ensure that the mortgage payments are being applied to the mortgage loan each month
  • Don’t take over mortgage payments from someone who has an outstanding judgement or any other charge registered against them on the property title if this will affect the amount of funds you are to receive when the property sells
  • If there is more than one person on the mortgage loan or property title, don’t execute an agreement to take over someone’s payments with only 1 of the parties. Ensure that all parties on the mortgage loan and property title agree to you taking over the mortgage payments and ensure that all parties execute the legal agreement with you

If You Are Taking Over Someone’s Mortgage Payments, Your Documentation Checklist Should Include:

  • The executed legal agreement between you and the person(s) who owns the mortgage debt and the person(s) on property title
  • Up to date contact information of the person(s) who owns the mortgage debt and person(s) registered on the property title
  • The mortgage lender’s contact information
  • A copy of the mortgage loan
  • A copy of the property title
  • Any current tenancy agreement that is in place for the property

Taking over someone’s mortgage payments isn’t something that most people are aware of and isn’t something that most people would consider.  Many owners who bought or refinanced in recent years, owe more than what they could sell the property for now.  If you are considering taking over someone’s mortgage payments, there are many do’s and don’ts that you should be aware of.

If You Are Taking Over Someone’s Mortgage Payments, You Should Also Ensure the Following:

  • Confirm all of the details of the legal documents relating to the mortgage including; the mortgage balance, interest rate and mortgage term renewal
  • Ensure that you have enough funds on reserve to make the mortgage payments in the event that you experience unforeseen financial difficulty that may impact your ability to make regular mortgage payments in the future
  • Ensure that your lawyer covers all of the terms and conditions of the transaction in the case of default and the remedy that will be available to each party

If You Are Taking Over Someone’s Mortgage Payments, You Should Not Do the Following:

  • Some people’s mortgage payments are extremely high if they were unable to qualify for a low interest rate. Don’t take over someone’s mortgage payment that will leave you with cash flow difficulties at the end of each month
  • If you are experiencing financial difficulties, don’t stop paying the mortgage payment altogether and don’t ignore your contractual obligations with the mortgage debt holder. If you are experiencing difficulty making the mortgage payment, it’s important for you to take quick action to find a solution.

If You Are Taking Over Someone’s Mortgage Payments, You Should Also Keep In Mind That:

  • There are a number of steps that you can take to help someone with their mortgage payments in a way that protects both of your interests in the property
  • You should seek the counsel of a mortgage professional or a legal adviser before you take over someone’s mortgage payments

Mortgage Payment Difficulties and Taking Over Someone’s Mortgage Payments:

If you are having difficulty paying your mortgage payments, it’s important for you to take quick action. With early intervention, you will have more options available to you to find a solution to your mortgage payment difficulties.

Along with our affiliated Companies, we have been operating for 25 years providing professional solutions to people who are experiencing difficulty paying their mortgage payments each month, people who are experiencing difficulty selling their property through traditional methods and people who require relief from their property situation for any reason.

When we take over mortgage payments and the house, townhome or condo associated with the mortgage, we do not charge any real estate commissions, providing you with more money with none of the hassles normally involved in selling.