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After an illness, a surgery or months of care, the bills can sit next to the mortgage. Look at your other options first. If selling is the answer, we keep it simple and quiet.
Get cash early for a down payment, rent or your move.
All you have to do is pack. Or leave it all, we clear it out.
Subject to qualification. When you sell to us.
Advance deducted from your proceeds at closing. See if you qualify ↓
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Yes, you can sell your house to pay medical or care bills, but check your other options first: ask the hospital about financial assistance and payment plans, and ask for an itemized bill. If selling is right, we make a written cash offer within 12 hours and close as fast as 7 days when the title is clear, or on your date. The title company pays the mortgage and any liens from the sale. If you qualify, up to $20,000 can come before closing.
Up to $20,000 once you sign, deducted at closing. If you qualify.
The title company pays the mortgage and any liens from the sale.
No showings, no repairs, no open houses while someone recovers.
We're not debt, legal or tax advisors. For your bills, talk to a nonprofit credit counselor; for a lien, Medicaid or your taxes, ask an attorney or a CPA.
A house is often the biggest thing a family owns. Selling it to pay bills is a real decision, so we would rather you look at the other doors first. Some of these cost nothing and can make the bills smaller.
If a debt collector is already calling, the CFPB debt collection page explains what collectors can and can't do.
If you've done these and the house still makes sense to sell, or the mortgage is the real weight, then a fast, simple sale may be the right move. That's where we come in.
You don't need to pay anything first. Here is how the money moves.
You sign at a licensed title company or attorney, who holds the money. From the price, they pay off your mortgage and any liens recorded against the house. Most medical bills are not a lien on your house. But if a provider or collector won a court judgment and recorded it, that judgment lien is paid from the sale too, and the title company records the release.
What is left is yours, wired or paid at closing. You decide how to use it for the rest of your bills. No commissions, no fees, no closing costs to you. We never ask you for money. If you're also behind on the mortgage, see selling before a foreclosure auction; for tax liens, see selling with back taxes or liens.
If a bill is due now, part of your price can come early. Up to $20,000, paid once you sign the purchase agreement, before closing. It is deducted from your proceeds at closing, and the closing statement shows it. It depends on the house and the equity in it. If the numbers don't support it, we'll tell you on the call.
After a surgery or a long illness, you can't keep up the house or the payments. We buy as-is, with one visit, and you sign when it suits you.
Assisted living or home care costs more each month. If you hold power of attorney, you can sign for your parent. See selling a house to pay for senior living.
Medical bills on top of a monthly payment. The sale pays off the mortgage at closing, and the rest of your price is yours.
Stairs or a big yard are too much now. A smaller place closer to care may fit better. See downsizing.
You get a written cash offer within 12 hours, with the comps behind it. No obligation, no pressure.
When someone in the house is healing, the last thing they need is strangers walking through. A sale to us is quiet.
If a parent can't sign, the person named in a valid power of attorney usually can. The title company reviews the document before closing. If there is no power of attorney, talk to an attorney before you start. If your parent gets Medicaid or may need it, ask an elder law attorney how a sale could affect it.
Start with the dates on your bills, not with the house. Write down what is due this month, what is due in the next three months, and what is already with a collector. That list tells you how much time you really have.
If the bills can wait a few months and the house is in good shape, a Market Sale may net more. Someone has to keep the house ready for showings and keep paying the taxes, insurance and utilities until it sells. If that is hard while someone is recovering, it matters as much as the price.
If a bill is due now, an Easy Sale gives you a firm number within 12 hours and a closing date you choose. If you qualify, part of your price can come before closing, once you sign. That money is deducted from your proceeds at closing, so it is your own equity, early.
If a collector is already calling, you still have rights. You can ask them to confirm the debt in writing before you pay, and you can ask them to stop calling you at work. The CFPB debt collection page lists the rest in plain words.
We'll show you both numbers on the call and tell you honestly which one leaves you more. See cash offer vs. realtor and how it works.
Best if: you need to sell fast, the house needs work, or life got complicated.
Only with Easy Sale
Subject to qualification.
Best if: you are not in a rush and you are OK with showings.
The trade-off
Not sure which is better? On the call we'll tell you what your house would likely sell for on the market and what you'd keep each way. Then you decide.
No pressure
Proof of funds on request
No obligation until you sign
Title company or attorney
I had a great experience working with Sterling Home Offer. Their communication was excellent throughout the entire process, and they made everything simple and stress-free. The team was professional, responsive, and very easy to work with. I truly appreciated how smoothly everything went and would definitely recommend them to others!
If youve never been thru probate consider yourself lucky. Its a mess. Sterling actually knew what they were doing which is more than I can say for the first 2 companies I called. They worked with my attorney and didnt make it harder than it already was. ✨
Not always. Ask the hospital about financial assistance and a payment plan, check the bill for errors, and talk to a nonprofit credit counselor first. See "Before you sell: check these first" above.
Usually only if a provider or collector sues, wins a court judgment and records it. Then it is paid from the sale at closing. For your own case, ask an attorney.
If you qualify, up to $20,000, paid once you sign the purchase agreement and deducted from your proceeds at closing.
If you hold a valid power of attorney, usually yes. The title company checks the document before closing. If there is none, talk to an attorney first.
No. One visit to see the house, at a time that works for whoever is recovering. No showings, no open houses.
Maybe not, if it is your main home. IRS Publication 523, Selling Your Home, explains the rules. We're not tax advisors; ask your CPA.
No. You can say no, and nothing is binding until you sign a purchase agreement. The written offer is yours to keep, and we'll send proof of funds on request.
General information, not legal, tax or financial advice.
One step left
Two minutes now. Your number in writing within 12 hours. Then it's your call.
P.S. You don't have to decide anything today. Get your number, compare it with what an agent would get you, then decide. Moving help is limited each month.Nothing to decide today. Get your number, compare it with an agent's, then decide. Moving help is limited each month.
