New Chapter Home Relief Solutions
New Chapter
Home Relief Solutions

Behind on a mortgage in Minnesota?

We are New Chapter Home Relief Solutions, a local team that buys Minnesota homes from owners working through financial stress. Selling to us is one option among several. We will help you understand all of them, including free counseling, before you decide.

Talk through my options

Or call Donna at (612) 509-0601. No pressure, no fees.

  • Local Minnesota team
  • Twin Cities focused
  • No fees, no commissions
  • We work at your pace

There are seven realistic paths

Selling your home is one of them, and we are one option among several cash buyers. We list every realistic path here, including the ones that do not involve us. Read all seven before you decide.

  1. 1

    Talk to your lender about a loan modification.

    If your hardship is temporary (job change, medical), your servicer may agree to modify the loan — adjusting the rate, term, or principal balance to make the payment workable. Modifications are not guaranteed and can take 60-120 days. Start by calling the loss mitigation department directly.

  2. 2

    Free HUD-approved housing counseling.

    A HUD-approved counselor will review your full financial picture and walk you through every legal option at no cost. We strongly recommend doing this before deciding to sell. Find one at hud.gov/findacounselor or call 1-800-569-4287.

  3. 3

    Forbearance, repayment plan, or partial claim.

    If your hardship is short-term, your servicer may agree to pause or restructure your missed payments without modifying the loan. Ask specifically about partial claim if the loan is FHA-insured.

  4. 4

    Short sale through a real-estate agent.

    If your home is worth less than what you owe, your lender may accept a sale below the loan balance (a "short sale"). Process is slower (90-180 days) and requires lender approval. Some agents specialize in this. The lender's loss can sometimes be reported as forgiven debt with tax implications — a CPA can help.

  5. 5

    Sell to a cash buyer (us, or another buyer).

    We are one of several Minnesota cash buyers. We close on your timeline (often 7 to 21 days), as-is, no repairs, no agent commission, no showings. The tradeoff is that cash offers are typically below retail market value, because we take the property as it is and resolve any title or condition issues ourselves.

  6. 6

    List with an agent for retail sale.

    If your equity is large enough and the foreclosure timeline isn't tight, a retail sale through an agent typically returns the highest dollar amount, but takes 30-90 days and requires the home to be show-ready.

  7. 7

    File for Chapter 13 bankruptcy.

    A Chapter 13 bankruptcy filing immediately stops a foreclosure sale and gives you 3-5 years to catch up on missed payments while keeping the home. Requires a bankruptcy attorney. This is a big legal step, not a marketing pitch — we mention it because for some families it is the right answer, and most landing pages omit it.

Falling behind on a mortgage is more common than people think. Job loss, medical event, divorce, a death in the family — most of the homeowners we work with did not see this coming a year ago. The lender wants the loan paid; the lender does not particularly want your house.

The pre-foreclosure space has a reputation for predatory operators because some of them are predatory. They use urgency language ("act now or lose everything"), low-ball offers presented as charity, and high-pressure visits to your home. We do not do any of that, and you should not work with anyone who does.

We are local Minnesota buyers. We will tell you what we can pay for the home, and we will tell you when selling to us is NOT the right move. Your decision, your timeline, your terms.

How a sale to us works

  1. 01

    Tell us about the home.

    Address, what is owed, where you are in the foreclosure timeline if you know. Form on this page or call Donna. Takes a minute.

  2. 02

    We do our work.

    We pull comps, estimate repairs, pull title, and look at any liens or judgments. You do not need to clean, repair, or schedule anything.

  3. 03

    Written offer.

    You get a written offer with the terms in plain language. We give you 5 business days after signing to walk away with no penalty, no questions asked — the same protection Minnesota law requires for certain pre-foreclosure transactions, applied to every NCHRS deal by choice.

  4. 04

    Your decision.

    Sign, counter, walk away, or take the offer to a counselor or attorney for review. We will wait. If you sign, the title company handles closing and we close on the date you choose.

What sets us apart

Local Minnesota team.

We live and work in the Twin Cities. We know the Hennepin, Ramsey, Dakota, Anoka, and Washington County foreclosure timelines, the title quirks, and which neighborhoods have soft demand right now.

We recommend the alternatives first.

Most of our first conversations end with us pointing the homeowner to a HUD counselor or a loan-modification attorney. Selling to us is right for some families and wrong for others. We will tell you which one you are.

Plain offers, plain language.

Our purchase agreement is written in plain English, with a 5-business-day cancellation window and clear disclosures about the property, the price, and the closing process. You take it to a counselor or attorney to review before signing.

No pressure, no fees.

We do not charge you anything to make an offer, to walk away, or to take time to think. We do not show up at your door. We do not call you twice a day.

Cash close, your timeline.

We close in 7 to 21 days if that is what you need, or we close in 60 if that is what works. The closing date is yours, not ours.

We say when we are not the right fit.

If your situation calls for a HUD counselor, a loan modification, or a different buyer, we tell you. We pass on more deals than we close because the right move is often not selling, or not selling to us.

Frequently asked questions

Will selling to you stop my foreclosure?
If we close before the foreclosure sale date, the loan gets paid off at closing and the foreclosure stops. We cannot guarantee that timeline — it depends on title clearing and any liens we find. If the foreclosure sale date is close, we will tell you honestly whether we can close in time. If we cannot, we will say so.
Should I talk to a HUD-approved counselor first?
Yes, and it is free. A HUD counselor will look at your full picture (income, debts, the loan terms, your goals) and walk you through every option at no cost. Find one at hud.gov/findacounselor or call 1-800-569-4287. Doing this before signing anything with us is something we recommend, not just allow.
What about my lender? Should I call them?
Yes. The lender's loss mitigation department can offer modifications, forbearance, or repayment plans that keep you in the home. Most lenders prefer this over foreclosure. Start there before assuming you have to sell. We will not feel snubbed if you find a path that does not involve us.
What does Minnesota law require for a sale like this?
Minnesota law has heightened protections for certain pre-foreclosure transactions, especially sale-leaseback deals (where you sell the home but stay as a renter with an option to buy back). Those deals are regulated under Minnesota Statutes Chapter 325N and carry mandatory disclosures and a 5-business-day cancellation right. Our deals are different — we are a straight cash buyer. You sell, you get paid, you move out at closing. That structure isn't subject to 325N's specific equity-purchaser rules. But because we think the underlying protections are good practice, our purchase agreement includes a 5-business-day cancellation window and clear written terms on every deal we do. You can take any signed agreement to a HUD counselor or attorney during that window for any reason.
How much will you offer?
It depends on the home's condition, the comps in the immediate neighborhood, what is owed on the mortgage, and any liens we find on title. Cash offers from buyers like us are typically below retail market value because we take the property as-is and resolve any title or condition issues ourselves. We will tell you the number in writing and walk you through how we got there.
What is the Minnesota redemption period?
After a foreclosure sale in Minnesota, the homeowner generally has a 6-month redemption period to redeem the property by paying off the full debt plus costs (some loans qualify for 12 months). This is separate from the pre-sale timeline. A HUD counselor or attorney can explain how this affects your specific situation.
Will you knock on my door or send people to my house?
No. We do not door-knock pre-foreclosure addresses. If you want us to come look at the home in person, we will schedule it with you. Otherwise we work entirely by phone, text, and email.
What if I am behind on property taxes too?
We can usually still buy the home. Property tax debts get paid at closing out of the sale proceeds. Tell us up front so we can include them in our diligence and the offer.

Talk through your options.

Send the address and a few details on the form, or call Donna at (612) 509-0601. We will respond the same business day, give you a written offer if you want one, and point you to other options if selling to us is not the right move.

The form asks for your name, a phone number, the property address, and a short note about the situation. That is it. Email is optional. You can also tell us how you prefer to be contacted, by phone, text, or email, and we will respect that.

Or call (612) 509-0601.
If we miss you, we call back.

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NCHRS is a principal real-estate buyer (we buy homes for our own account at closing). We are not a foreclosure consultant, housing counselor, real-estate broker, or financial advisor. We strongly recommend speaking with a HUD-approved housing counselor (free, at hud.gov/findacounselor or 1-800-569-4287) and/or a Minnesota attorney before signing any agreement to sell your home.