"Anthony was great. He and his team went above and beyond more than what I was expecting. They purchased the property, got it off my hands, and allowed me to get into a great new place now."
Serving all of Ohio, based in Columbus
Take a deep breath. You still have options.
If you just found out you're in foreclosure, you have more options than you think. Our guidance is always free.
A message worth waiting for
This is what we live to deliver.
Imagine the weight you're carrying right now lifting with a single text. That moment - knowing your home is safe - is the reason we do this work.
Illustrative example. Outcomes depend on factors outside our control - X Home does not guarantee that any foreclosure can be stopped, delayed, or modified.
Illustration: a homeowner's iPhone lights up with a text from Anthony with X Home that reads "Just got the good news, we got the foreclosure sale stopped." They open it and heart the message.
A message worth waiting for
This is what we live to deliver.
Imagine the weight you're carrying right now lifting with a single text. That moment - knowing your home is safe - is the reason we do this work.
Illustrative example. Outcomes depend on factors outside our control - X Home does not guarantee that any foreclosure can be stopped, delayed, or modified.
How we found you
If we reached out first, here's why.
Foreclosure filings in Ohio are public record. When your lender files a foreclosure complaint with the county court of common pleas, that case becomes searchable on the court's public docket - it's how we knew to offer help.
We are not affiliated with your lender, your county, or any government agency. We don't have access to your loan, your credit, or any private information. We saw the public filing and reached out the same way a real estate agent or attorney might.
We understand
Receiving a foreclosure notice is scary.
You don't have to face it alone.
"There's always a way forward."
Anthony, Co-Founder
We know that right now, everything feels uncertain. The letters from your lender, the legal language you don't fully understand, the fear of losing your home - it's a lot to carry. And most people don't know where to turn.
That's exactly why X Home exists. We're a small team based right here in Columbus, Ohio, and we've dedicated our careers to helping fellow Buckeyes navigate this process.
Whether you want to stay in your home or need a fresh start, we'll walk you through every option - honestly, clearly, and at no cost to you.
The honest part
So what's the catch?
There isn't one. The conversation is free because we make our living somewhere else - if (and only if) selling to us ends up being the right move, we earn on the back end through rehab and resale. If it isn't, we point you toward someone who can help and walk away.
We're a Columbus-based team that's helped hundreds of families through this - and we're treating every Ohio call like helping a fellow Buckeye. When you need a lawyer or a HUD-approved counselor, we'll tell you, and we'll refer you to one we know.
What we're not
How to know you're in safe hands
Foreclosure attracts scammers. Here's how we're different.
The moment your foreclosure became public record, the letters and calls started. Federal regulators publish the warning signs of a foreclosure rescue scam - so hold us to every one of them.
How we can help
Your options when facing foreclosure.
Every situation is different. We take the time to understand yours and present all available paths - so you can make the best decision for your family.
Stay in Your Home
We explore loan modifications, forbearance agreements, and creative solutions that could allow you to keep your home.
- Loan modifications & restructuring
- Forbearance agreements with your lender
- Creative payment & repayment plans
- Direct negotiation with loss mitigation
Sell Before Auction
If selling is the best path forward, we can help you sell your home quickly - often with cash offers - before the auction date.
Protect Your Credit
We guide you through options that minimize the long-term damage to your credit score, helping you rebuild faster.
Know When You Need a Lawyer
We're not attorneys. We'll tell you honestly when your situation actually calls for one - and refer you to an Ohio attorney we know and trust.
Bankruptcy Guidance
When bankruptcy is the right option, we help you understand the process and connect you with the right professionals.
Relocation Support
If a fresh start is what you need, we provide relocation assistance to help you and your family transition smoothly.
Why families trust X Home
We're not a faceless corporation. We're your neighbors.
Foreclosure expertise
Over 10 years of combined experience in the Ohio judicial foreclosure process - Foreclosure Complaint, the 28-day Answer, county mediation, sheriff's sale, confirmation. We've personally walked hundreds of Buckeye families through their options.
Completely free. Always.
We'll never ask you for a dime. Our advisory services are provided at absolutely no cost - no hidden fees, no catches.
Integrity first
Our word is our bond. We give honest advice - even when it means telling you something you don't want to hear.
Local & personal
Based right here in Columbus, serving fellow Buckeyes across Ohio. The phone is answered by our team - the same people who'll walk you through your options.
A simple process
Getting help is easier than you think.
You don't need to figure this out on your own. Here's how we work together.
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Step 1: Book a free call.
Schedule a consultation at a time that works for you. It takes 30 seconds. No pressure, no obligation.
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Step 2: We review your situation.
We'll listen to your story, review your timeline, and identify every option available to you under Ohio law.
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Step 3: Choose your best path.
Together, we'll decide on the best course of action - whether that's keeping your home, selling, or another solution.
Real Ohio families
Hear from homeowners we've helped.
"X Home took care of the process from start to finish, they relieved my stress to no end. Cannot recommend them more."
X Home helped stop Crystal's foreclosure sale and got an aggressive lender off her family's back.
Individual results. Every foreclosure situation is unique, and outcomes depend on lender policies, your loan documents, timing, and applicable law - all factors outside our control. X Home does not guarantee that any foreclosure can be stopped, delayed, or modified, and the past results shown above do not predict your outcome.
"Most homeowners we help say the same thing on the call: 'I wish I'd called sooner.'"
Frequently asked
Questions homeowners ask us first.
If yours isn't here, ask us on the call - no question is dumb when your home is on the line.
How is this 100% free?
X Home has two sides: foreclosure advisory and home buying. Every homeowner's situation is different, so whether your best route is legal help, selling, or working through your mortgage company, we earn either through referrals to trusted partners or - if you decide to sell to us - through the rehab and resale of the property on the back end. Either way, the conversation with you costs nothing.
I've already got it handled. Why should I still talk to you?
The foreclosure process isn't always what it seems. Mortgage companies can tell you one thing and then do another, and the rules vary depending on your loan type, your equity, and your timeline. You probably take your truck to a mechanic because they know things about your truck that you don't - it's the same idea here. A 30-minute call costs you nothing and can confirm you're on the right path - or catch something you missed.
Can I just pay the past-due amount to stop the foreclosure?
Most of the time, yes - that's called reinstatement. Ohio doesn't have a statutory reinstatement right, but the standard Fannie/Freddie mortgage contract typically lets you reinstate (pay everything past due) up to five days before the sheriff's sale, and Ohio's statutory equity of redemption under ORC 2329.33 lets you redeem by paying the full judgment plus 8% interest right up to confirmation. But once a lender accelerates the loan, they may require the full balance. It's hard to know which scenario applies without asking the lender the right questions - and that's exactly where we come in.
I want to save my home. How can you help?
That's exactly what we're here for. On a free consultation, we'll walk you through every option that could fit your situation: loan modification, forbearance, reinstatement, creative arrangements with the lender, and more. Depending on your specific circumstances, keeping you in the home long-term is often possible - and our job is to find that path with you.
Get free help
Tell us where you're at. We'll take it from there.
A few quick questions, then pick a time with Anthony that works for you. Rather talk right now? Call or text us - Anna and Anthony are the same Buckeyes who'd pick up either way.
Free, no-obligation consultation. X Home does not guarantee that any foreclosure can be stopped, delayed, or modified - every situation is different, and outcomes depend on factors outside our control.
You've made it this far. The next step is a 30-minute call - no pressure, and no calling you back if you don't want it.
You have options.
Let us show you what they are.
Every day that passes is a day closer to your auction date. The sooner you reach out, the more options we can explore together.
Call or text anytime. During the day, you'll usually hear back within minutes.