Frequently Asked Questions
Please read our legal disclaimer here.
Q: What kind of houses do you buy?
Q: What do you mean by "any condition"? What if my house needs repairs?
Q: What if my property has Health Department violations or is condemned?
Q: Do you deal in higher priced properties?
Q: What if I am behind on my payments or in foreclosure, can you help?
Q: Are you realtors who just want to list my house?
Q: What do you charge for your services?
Q: If I submit your "Fast Response Form", when will I hear from you?
Q: Is it better to call or contact you via your online "Fast Response Form" or by phone?
Q: Do you pay for referrals if I lead you to another house that you buy?
Q: How are you different from real estate agents?
Q: Do You Pay Market, or Retail Value?
Q: What kind of programs do you have to help me keep my home?
Q: What if I just can't find a way to keep my house?
Q: How is it possible to sell a house for less than what is owed on it?
Q: I've got one week until my house gets auctioned off. Can you still help me?
Q: I still have more questions! Where can I find answers?
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Q: What kind of houses do you buy?
A: We buy houses in any area, condition or any price range.
Q: What do you mean by "any condition"? What if my house needs repairs?
A: We will buy your house as-is! You don't need to do any more repairs!
Q: What if my property has Health Department violations or is condemned?
A: No problem! We can still buy your house as is, even if it has demolition orders scheduled.
Q: Do you deal in higher priced properties?
A: Yes, we can work with any seller who needs to move a property quickly for any reason and in any price range.
Q: What if I am behind on my payments or in foreclosure, can you help?
A: Yes, if you call or contact us now, we may be able to help catch up your back payments and stop the foreclosure process.
Q: Are you realtors who just want to list my house?
A: Absolutely not! Home Solutions Chicago buys houses from people like you in neighborhoods just like yours. We are NOT realtors and we're NOT associated with any real estate agency. We don't want to list your house, we want to buy your house and may be able to do so immediately!
Q: What do you charge for your services?
A: Unlike realtors, there is never a charge or commission when we buy your home!
Q: If I submit your "Fast Response Form", when will I hear from you?
A: As soon as we receive your "Fast Response Form", we will review your information and get back to you ASAP (usually within 24 to 48 hours depending on when you submit the information). However, if you don't hear back from us in a timely manner, please give us a call to be sure we received your information and that you are being taken care of right away.
Q: Is it better to call or contact you via your online "Fast Response Form" or by phone?
A: That is really up to you. However, we do think it would be easier for you if you complete one of our response forms first, then we can review your information, research your property, and then discuss all the details with you when we call. Since you are here, why not take a moment to fill out our "Fast Response Form" or our "Stop Foreclosure Form" now?
Q: Do you pay for referrals if I lead you to another house that you buy?
A: Yes indeed! Even if you don't need to sell your home, but you know someone who does, please refer them to us or have them give us a call. We'll pay you $500 for each house you refer to us that we buy! For more detail, be sure to review our "Earn Extra Cash" page.
Q: How are you different from real estate agents?
A: Real estate agents charge you a commission to sell your property. There are no guarantees, if, when and how much your property will sell for. The average property takes months to sell. Some take over a year! This uncertainty causes great stress and anxiety. And on top of that, you have to constantly keep your home spotless just in case a possible buyer wants to look at your home. Usually not until the day your property sells and you get your check, do you even know exactly how much you're going to receive. As your local, independent real estate buyer, we do not want to list your property, we want to buy your property... NOW! We do not charge you any fees or commissions. Often within 24 to 48 hours we can make you a fast cash offer, and often in as few as seven days you can have your money! We want you to have a fast, hassle-free, stress-free sale!
Q: Do You Pay Market, or Retail Value?
A: Please do not confuse what a real estate agent tells you is the value of your property, with how much money you will actually put in your pocket if, and when the property sells. First of all, it is quite common for a home or property to sell for 5 to 10 percent less than what the real estate agent lists it for. Secondly, when using real estate agents, it's not uncommon that you as the seller, will probably be required to do a number of repairs to satisfy the buyer. These repairs could cost thousands of dollars. Third, do not forget your holding costs. (Your loan payments and the cost of your money tied up in the property, which could be making you money, somewhere else.) A real estate agent will not make your mortgage payments for you while you wait for a buyer. We will buy your house now! Finally there are commissions to the agent which can be as high as 7 percent, and your closing costs which can be as much as 3 percent. A real estate agent could tell you your house or property is worth X amount of dollars. By the time your agent sells it, figure in your holding costs, repair costs, commissions, selling costs etc. etc., you might put X amount of money, less tens of thousands in your pocket!
A: We are dedicated to making you a fast cash offer that will work for you. We are committed to providing you the fastest, possible, stress-free sale. We have the flexibility to offer you a number of personalized options. Each option has its own methods and formulas for determining how much we can pay for a house or property. How much we can pay for your house or property will be based on many factors; including the condition and repairs that are needed, the time factor, whether you need to be cashed out, or if a creative solution can be achieved. All our options allow you to benefit from the fastest possible sale without doing any work or repairs.
Q: What kind of programs do you have to help me keep my home?
A: We have several techniques and options that we can use to save your home depending on your current situation. Complete our "Fast Response Form" or our "Stop Foreclosure Form" and we'll quickly yet carefully determine your financial profile and make several offers on how we can help you keep your home.
Q: What if I just can't find a way to keep my house?
A: There are times when the situation is so dire that a person just won't be able to prevent foreclosure in the end. If worse comes to worst, we try to help by offering to buy your house for a fair price. To find out if your house qualifies, click here to complete our "Fast Response Form" or our "Stop Foreclosure Form".
Q: How is it possible to sell a house for less than what is owed on it?
A: We'll re-negotiate your debt with any mortgage holders and create what is known as a short-sale option. The mortgage holders are willing to do this because we will be paying off the loan(s) on your house and getting it off their books.
Q: I've got one week until my house gets auctioned off. Can you still help me?
A: We're experts on the foreclosure process and we know how to get auctions stopped quickly. However we're not miracle workers. Act immediately by completing our "Fast Response Form" or our "Stop Foreclosure Form". Every hour of delay makes it less likely that we can help. There's no time to waste, act now!
Q: I've been trying to get a refinance done for the past year and every single loan company has turned me down. How do I know you're going to be able to come through for me?
A: Depending on your situation, we may not be able to get you refinanced right away either. However if you are eligible we may be able to get you a loan that may enable you to keep your house, thus saving you from losing tens of thousands of dollars in equity.
Q: I'm willing to sell my house as long as I can rent it back and buy it back at some future date. Can you help me do that?
A: We may be able to buy your house if it meets our investment criteria. To find out if your house qualifies, complete our "Fast Response Form" or our "Stop Foreclosure Form" and put your special requirements in the comments section at the bottom of the form. We'll take a look and get back to you with specifics on how we can help you.
Q: I'm thinking about filing for bankruptcy to stop my foreclosure, but I hear it will dramatically affect my credit. What should I do?
A: You're right. Outside of a foreclosure, bankruptcy is the worst thing you can have on your credit report. Bankruptcies stay on your credit for up several years and can prevent you from getting any kind of loan for many years. There are many ways you can keep your house and avoid filing for bankruptcy. Go ahead and complete our "Fast Response Form" or our "Stop Foreclosure Form" and let's work on a custom-tailored plan so you can save your credit, keep your house, and gain peace of mind.
Q: I've thought about listing my house with a realtor. Why should I consider your company over using a realtor to sell my house?
A: First of all we may be able to help you keep your home. The greatest benefit to you in working with us is that we can offer creative financial options to fit your specific needs. We offer several options that allow you to stay in your house. Should you decide to sell, we can buy your home. We are not realtors. We don't want to list your house for a commission. We want to help you keep your home if possible. In the end, our goal is to help you move on with your life in a positive direction.
Q: I just bought my house 6 months ago, and now I'm getting transferred a thousand miles away. I haven't had the time to build up enough equity to sell my house and cover the closing costs. Can you work with me?
A: Yes. We have several options that address little or no equity real estate situations. Please complete our online "Fast Response Form" and let's discuss it.
Q: I still have more questions! Where can I find answers?
A: Simple. Just get in contact with us through our "Contact Us" page. We're here to help.
Please read our legal disclaimer here.