At RCG Home Rescue Team, we’ve personally guided hundreds of Michigan families through tough financial times. Missed payments, pending foreclosures, sheriff’s sales—we’ve seen it and solved it all. When banks see numbers, we see people.
How We Help
✔️ Stop foreclosure and protect your equity
✔️ Cash relocation assistance to move with dignity
✔️ Fast closings through local investor-backed options
✔️ Credit repair programs after closing
✔️ Help during forbearance or redemption periods
✔️ We listen. We don’t judge. And we move fast.
“Joel treated us like people, not numbers. We had an offer in 24 hours.” — Genesee County Homeowner
Why People Trust RCG
“We never imagined we'd face foreclosure. Joel and his team turned everything around. They treated us with respect, provided cash to relocate, and helped repair our credit afterward.”
— Livingston County Homeowner
Real Stories. Real Help.
Want to speak directly with a homeowner we’ve helped? We’ll connect you with someone happy to share how we changed their story.
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A Message from Joel
🎥 Video coming soon — Joel will share how we help families like yours
This will be a quick video introducing who we are, how we help, and what you can expect when you reach out.
Frequently Asked Questions
Tap the button below to view the most urgent questions homeowners ask — and get real answers that could save your home.
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Foreclosure & Missed Payment FAQs
What exactly is foreclosure, and how does the process unfold?
Foreclosure is a legal procedure where a lender attempts to recover the balance of a loan from a borrower who has stopped making payments. The process typically begins after multiple missed payments, leading the lender to issue a notice of default. If unresolved, the property may be sold at a public auction.
Can I sell my home if it's already in foreclosure proceedings?
Yes, you can sell your home during foreclosure, provided the sale concludes before the foreclosure is finalized. This approach can help settle your debt and potentially preserve your credit rating.
What is a short sale, and how does it differ from foreclosure?
A short sale involves selling your property for less than the outstanding mortgage balance, with the lender’s approval.
How will a foreclosure impact my credit score?
A foreclosure can significantly lower your credit score, often by 100+ points, and stays on your report for 7 years.
Are there alternatives to foreclosure if I'm struggling with mortgage payments?
Yes. Options include loan modifications, forbearance, refinancing, or short sale. A HUD-approved counselor can help.
What is the redemption period after a foreclosure sale?
In Michigan, it's usually 6 months (can extend to 1 year). This allows you to reclaim your home by paying what’s owed.
Can I negotiate with my lender during foreclosure?
Yes. Most lenders prefer to avoid foreclosure and are open to workout plans or repayment options.
What happens to a second mortgage in foreclosure?
Second mortgages are subordinate. If the foreclosure doesn’t pay them off, they may still try to collect directly.
What’s a deed in lieu of foreclosure?
You voluntarily transfer ownership to avoid foreclosure. It can be less damaging to credit, but still has major implications.
Is bankruptcy a viable option?
Sometimes. It stops foreclosure temporarily (automatic stay), but speak to a qualified bankruptcy attorney.
How long can I stay in my home during foreclosure?
Usually until the foreclosure auction or sale completes. You’ll be notified before eviction.
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Let us know what’s going on and someone from our team will reach out personally.
