You know how life can just sneak up on you? That’s what happened to Janice and Bob. They lived in this perfectly normal, cozy little house over in Southern Indiana, the kind with a big backyard Bob loved mowing. Things were humming along fine until Bob got that bad news: the company was downsizing, and his job at the assembly plant across the river in Louisville was gone. Just like that.
For a while, they managed. Bob’s severance covered the first month’s mortgage, but after that, every cent was a struggle. They cut back, they worried, and slowly, those three little boxes on the calendar where their payments should have been just stayed empty.
“Look, honey,” Janice sighed one afternoon, holding up a thick envelope—the kind that screams “lawyer.” It was the official Notice of Default from the bank. “We’ve missed three. They’re not playing around anymore.”
Bob slumped onto the worn kitchen chair. He felt the weight of the whole house on his shoulders. The foreclosure process was starting, and they knew in a judicial state like Indiana, once the bank gets serious, the clock moves fast.
The Catch-22
Here’s where the story gets really frustrating. They weren’t going to be homeless. Janice’s sister, Carol, owned a separate little duplex unit nearby and had offered it to them rent-free until Bob found work. A genuine lifeline!
But here was the catch, the cruelest twist: they couldn’t afford to move into the lifeline.
“We have to be realistic,” Bob told Janice, pacing the living room. “The new place is completely empty. We need money for the moving truck, a new mattress at least, maybe a cheap kitchen table… it’s all the initial setup costs. We just don’t have the five grand sitting around. We can’t satisfy the bank and afford to leave.”
They were stuck—paralyzed by a financial catch-22. Every day they stayed, the mortgage arrears grew, and the closer they got to that devastating public foreclosure auction.
The Search for Someone Real
Janice started looking online, deep into the night. She saw the standard “We Buy Ugly Houses!” ads, all caps and urgency. They felt cold and a little scary, like they were trying to take advantage of their desperation.
Then she found 812 Home Buyers. The name felt local, familiar. The website didn’t have sharks circling; it talked about their team, their licensed status, and their core value: integrity. It promised not just cash, but a win-win solution. Janice liked that. It felt honest.
She cautiously filled out the form, just putting down the absolute minimum.
The next day, a guy named Mike from 812 Home Buyers called. He didn’t rush them. He sounded like a regular guy who genuinely listened as they poured out the whole messy story—the layoff, the missed payments, and the frustration of being so close to a solution but lacking the moving cash.
“Janice and Bob,” Mike said calmly, “I get it. A lot of times, the biggest problem isn’t the house; it’s the moving money. Our goal is to get the bank off your back and give you a clean financial cushion for your next chapter. That’s the definition of a win-win for us.”
The Honest Offer
Mike came out the following day. He walked through the house, paying attention to the leaky faucet Bob had fixed three times and the old carpet, but he never made them feel bad about it. He bought it as-is, and his honesty was refreshing.
The next morning, he called with the offer. It was completely transparent. He showed them their reinstatement amount (the money owed to the bank), the costs he’d cover, and the final number they’d walk away with.
“We’re going to pay off the bank’s $9,500 directly, stopping the foreclosure,” Mike explained. “We cover all the closing costs and commissions—that’s a huge savings right there. And after all that, we’re cutting you a check for $12,500.”
Janice and Bob looked at each other, their eyes wide. $12,500. That wasn’t just enough for the mattress and the move; it was a safety net. It bought Bob time to find the right job, not just any job.
The Relief Arrives
They accepted immediately. Because 812 Home Buyers operates with their own cash and uses a reliable local title company, the whole process—from accepting the offer to signing the final papers—took less than ten days.
At the closing, the attorney confirmed the best news: the bank was paid, the court case was dismissed, and they were officially out of foreclosure. The certified check was waiting, exactly as promised. No last-minute deductions. No drama. Just integrity.
Driving away from the house for the last time, Bob didn’t feel defeat; he felt freedom.
“That Mike and 812 Home Buyers,” he said, turning onto the interstate toward their new town. “They actually did what they said they would. They bought our house, and they bought us our peace of mind.”
Janice smiled, leaning her head against the window. The house was gone, but the heavy weight was finally lifted. Thanks to an honest company, they had the money they needed to start over, and they weren’t just moving; they were restarting. And that felt like the biggest win of all.