Two foreclosure options. One clear place to start.
Synergy offers two distinct paths to stop your foreclosure: Reinstate & Retail or Buyback. Research both options below, then choose the direction that best matches your goal.
Sale date close? Talk to a person today.
(770) 525-7730200+
Foreclosures stopped
2016
In business since
2
Paths to stop your foreclosure
Accredited business
Mortgage companies and banks don’t play fair. We help level the playing field for you.
We address the mortgage delinquency before the auction date.
Your timing, property condition, and goals shape the agreement.
Choose a path designed around value—not a distress discount.
Google reviews
Homeowners and families we have helped, in their own words on our Google Business Profile.
“There are a lot of scammers out there praying on people in foreclosure, but Synergy is definitely not one of them. 10/10 recommend.”
“My grandparents died without a Will which caused us great struggles. … From October till November 2025 Jeffrey & the team Worked A Miracle.”
“Exceptional team and experience. Even with a short time period to work with, they helped my parents with options and steered them out of dire circumstances.”
Your two options
Choose the option closest to your goal. Each page explains the process, responsibilities, terms, and next steps in detail.
Option 1 of 2 · Move on your terms
We stop the foreclosure, give you time and cash to make your next move, and stay beside you the whole way. Then we renovate and sell the home at full retail so more of your equity comes back to you.
Option 2 of 2 · Work toward owning again
We stop the sale and hold your home for an agreed period, giving you time to get back on your feet and buy it back with your own new mortgage.
Review both program pages first, or schedule a call and we’ll help you compare them.
Probate & inherited homes
We work all the time with probate attorneys who are quick and responsive. We stop the foreclosure while the estate gets settled, then help the family sell the home or keep it.
Start with the facts
Submit the basics and we’ll review whether one of our programs could fit. There is no obligation to move forward.
Option 1 of 2 · Our main homeowner solution
We stop the sale by bringing your mortgage current. Then we give you what matters most right now: extra time in your home, cash up front for the bills that can’t wait, help paying for your move, and a real person beside you from the first call to closing. We renovate and sell the home at full retail, so you walk away with more too. You get the benefit of everything we have learned stopping more than 200 foreclosures since 2016.
Is your goal to stay in the home long term? Research Option 2: Buyback
Why homeowners choose us
Your net proceeds matter, and we work hard to maximize them. But the people we help tell us what mattered just as much was the time, the cash when they needed it, the help moving, and not having to figure it all out alone.
Silver, Gold, or Diamond
Each package balances what matters most to you, like time in your home, cash up front, and help moving, against Synergy’s equity share. More support means a larger share. Every figure below is subject to property review and negotiation.
What Synergy puts in for you
Time to move
What Synergy earns
Repairs are reimbursed at closing. Up-front equity and moving help are advanced to you and are part of—not in addition to—your total proceeds. Shaded bars mark amounts that depend on your deposit and rent at a new place.
Important: These are starting package guidelines—not automatic approvals or final terms. Equity share, repair scope, move-out timing, upfront funds, and other terms may be adjusted by mutual written agreement. Diamond stays longer than 90 days require special approval.
Estimate your proceeds
Estimate what you’d walk away with, including the cash you can get up front and the moving help you can use before the home sells. Use payoff figures from your lender for the clearest starting point.
Your estimated proceeds
Reinstate & Retail
$72,000
estimated total homeowner proceeds
This is an educational estimate, not an offer or guarantee. Actual payoff, sale price, repairs, timing, costs, equity share, and upfront equity are confirmed through review and written agreement. Upfront equity and moving help are part of—not in addition to—the homeowner’s total proceeds and are repaid from them at closing.
Request my options reviewCommon questions
Every property and timeline is different. A needs analysis is the fastest way to get an answer specific to yours.
By reinstating the loan. Synergy pays your lender the approved delinquent amount—missed payments, late fees, and foreclosure costs—before the auction deadline. Once the loan is current, the scheduled sale is called off. This is subject to qualification, lender confirmation, and enough time to move funds.
Synergy funds the agreed repair scope after you vacate. The cost is reimbursed at closing out of the sale proceeds, not out of your pocket. Nothing outside the written scope is done without agreement.
Any agreed upfront equity is paid during the transition stage, before you move. The remaining equity is paid at the sale closing, after mortgage payoff, reimbursable costs, and the agreed Synergy share are deducted.
Silver includes 30 days after closing, Gold up to 60 days, and Diamond up to 90 days. More time is possible on Diamond with special approval. Your move-out date is set in writing before you sign.
Yes. You get one point of contact from the first call. They talk with your bank, explain each document, help coordinate your move, and stay with you through closing. Our mobile closing coordinator can even come to you for signing.
No. The home is prepared and marketed to pursue the strongest practical retail price, but the market sets the final number. Estimates shown in the calculator are educational, not a promise of proceeds.
Yes. Silver, Gold, and Diamond are starting guidelines. Equity share, repair scope, move-out timing, and upfront funds can be adjusted by mutual written agreement after the property review.
Request a review
More time, cash up front, help moving, or all three. Share your timeline and address, and we’ll show you how it could work for your home.
No obligation to move forward
Option 2 of 2 · Subject to qualification
Sometimes all a homeowner needs is a little time. Buyback stops the foreclosure and holds your home for an agreed period so you can get back on your feet and buy it back with your own new mortgage. We offer it because we would rather help you keep your home than watch it go to auction.
Important: You are responsible for getting the new mortgage or financing to buy the home back. Synergy does not provide, arrange, or guarantee that financing. If the home is not bought back by the agreed date, it moves into our Reinstate & Retail program and Synergy’s equity share becomes the buyback spread plus 20% of the remaining equity.
Planning to move on instead? Research Option 1: Reinstate & Retail
Is Buyback right for you?
We want this to work for you, so it helps to be honest up front. Choosing the right option early protects both your home and your equity.
A strong fit if
Sound like you? See if you qualify and we’ll walk through your numbers together.
Not the right fit if
Not a fit? Reinstate & Retail still stops the foreclosure and gives you time, cash up front, and help moving.
The key distinction
To buy the home back, you will need your own new mortgage or other financing. Synergy does not lend, arrange, or guarantee it. What we do is stop the foreclosure, hold the home for you, and give you a clear price and deadline to work toward.
This is not a loan modification or a refinance. You transfer title to Synergy now and receive a written option to buy it back later.
How it works
The option works when both the monthly payments and your path to a new mortgage are realistic within the agreed timeframe.
The buyback price, option period, payments, responsibilities, and what happens if the buyback isn’t completed are all documented before closing.
The homeowner transfers title to Synergy. Synergy reinstates the mortgage delinquency but does not pay off the mortgage.
You stay in the home, keep making the required mortgage payments, and work with a lender to qualify for your new mortgage.
Using your own new mortgage or financing, you purchase the home back from Synergy at the agreed price within the agreed period.
What Synergy does
What the homeowner does
What we expect from you
We want to work with you so you can buy the home back, and that takes trust on both sides. These are the expectations we have of every Buyback client.
Answer our calls and texts promptly, stay courteous, and keep us updated on your job, your lender, and anything that could affect the plan.
Keep making the full monthly mortgage payment every month while you live in the home.
Be willing to get on the phone with your mortgage company together with Synergy whenever needed to confirm payments, balances, and status.
Talk with a lender early, share updates on your approval, and work toward buying the home back well before the deadline.
Keep the property in good condition and follow the occupancy, insurance, and notice terms in your agreement.
If you lose work, miss a payment, or the plan stops being realistic, tell us right away so we can talk through your options together.
Critical obligation
The existing mortgage is reinstated, not paid off, so you keep making the monthly payments while you live in the home. And to buy it back, you need to qualify for your own new mortgage in time. Missing payments or the buyback deadline ends the option and moves the home into Reinstate & Retail.
If the buyback is not completed
If you do not buy the home back within the agreed timeframe, it automatically transfers into our Reinstate & Retail program. Synergy coordinates your move-out, agreed repairs, and a retail sale.
See how Reinstate & Retail worksBefore choosing Buyback
Buyback questions
It depends on the property, the title, the size of the delinquency, the timeline before the sale, and your realistic path to a new mortgage. The best fit is someone expecting new work within about 2–3 months, or with a preexisting job, whose income will qualify them, or someone with a family member willing to co-sign. It is not a fit for a fixed income that will not qualify or credit that needs more than 12 months of repair. We will tell you plainly either way.
No. You are responsible for getting your own new mortgage or other financing to repurchase the home. Synergy does not lend, arrange, or guarantee that financing. We stop the foreclosure and give you the time, a set price, and a deadline to work toward.
Often, yes. A co-signer on your new mortgage can be a strong path to buying the home back. Whether it works is up to the lender, so talk with one early in the option period.
Frequent and polite communication, on-time monthly mortgage payments while you are in the home, willingness to call your mortgage company together with us when needed, steady progress toward your new mortgage, care for the property, and honesty if anything changes.
Synergy holds title during the option period. You remain in the home under the written agreement and hold a documented option to repurchase at the agreed price within the agreed timeframe.
You do. Synergy reinstates the delinquency to stop the sale, but the existing mortgage stays in place and the required monthly payments remain the homeowner’s responsibility throughout the option period.
The home automatically transfers into our Reinstate & Retail program: move-out on an agreed date, agreed repairs, and a retail sale. In that case, Synergy’s equity share is the buyback spread (the difference between your buyback price and what was owed when we stepped in) plus 20% of the equity remaining after the sale. You receive the rest.
Qualification starts here
Tell us about your job situation, a possible co-signer, and your sale date. We’ll give you an honest read on whether Buyback fits, or whether another option serves you better.
About us
Synergy Foreclosure Solutions is the foreclosure arm of Synergy Investing LLC, a metro Atlanta real estate investment company. In business since 2016, we have stopped more than 200 foreclosures by reinstating the mortgage before the sale date, then help the homeowner protect as much equity as the numbers allow.
Who we are
We buy and reinstate homes in foreclosure and pre-foreclosure across metro Atlanta, renovate them with our own contractors, and sell them on the open market. That is our business, and it is why we can pay a lender the delinquent amount quickly when the timeline is tight.
We are investors, not a charity, and we would rather say it out loud. We are paid one way: an agreed share of the equity when the home sells. That figure is in the calculator, in your agreement, and settled at closing. If a Synergy option is not the best route for you, we will say so and point you toward who can help.
BBB Accredited Business. Check our rating and reviews with the Better Business Bureau before you ever talk to us. View our BBB profile or read our Google reviews.
Your notice, your statement, and your sale date tell us most of what we need before the first call ends.
The team
A small metro Atlanta team. The person who answers your first call is the person who works your file.
Reviews
Public, unedited, and posted on our Google Business Profile.
If we helped you, a review helps the next homeowner decide whether to pick up the phone.
Service area
Metro Atlanta and the surrounding counties. Not sure if your county is on the list? Call and ask.
Homeowner FAQ
What happens next, what your paperwork means, and how working with us actually goes. Straight answers from a team that has stopped more than 200 foreclosures since 2016.
Foreclosure in Georgia
Georgia requires at least 30 days’ notice by certified mail before a foreclosure sale. Sales happen on the first Tuesday of the month at the county courthouse, so the clock is short. Reach out the day your notice arrives.
Often, yes, as long as you act before the sale. Most loans can be caught up (reinstated) until shortly before the sale date. Once the sale happens, Georgia gives you no right to buy the home back.
On your free consultation we walk through all of them, including the ones that don’t involve us.
You don’t have to leave that day, but your right to stay ends at the sale. The new owner has to go through a court eviction case, which usually takes a few weeks.
If the home sold for more than you owed, the extra money (called excess funds) may belong to you. Ask the foreclosure attorney who ran the sale. You generally have up to 5 years to claim it. You would only owe a leftover balance if the lender asks a court to confirm the sale within 30 days.
Understanding your paperwork
Every servicer’s paperwork looks different, but each document answers the same question every time. Here is one sample loan, 5 payments behind, as it appears on all three.
“What do I owe this month?”
Sample Mortgage Servicing
Mortgage statement
Due by 10/16
Shows where the loan stands. It often leaves out foreclosure fees, so paying this amount may not stop a foreclosure.
“How much to catch up and stop the foreclosure?”
Sample Mortgage Servicing
Reinstatement quote
Valid only through the good-through date
The number that stops the foreclosure and keeps the loan. You go back to regular monthly payments afterward.
“How much to pay off the whole loan?”
Sample Mortgage Servicing
Payoff statement
Used when the home is sold or refinanced
The number that ends the loan completely. This is what gets paid at closing when the home is sold.
Reinstating catches the loan up. The foreclosure stops and you go back to your regular monthly payments. Paying off ends the loan completely, which is what happens when a home is sold. On the sample loan above, reinstating costs about $13,500 while the payoff is about $191,000.
Foreclosure adds attorney fees, advertising, and inspection costs that often don’t show on your statement. Always go by the reinstatement quote, and check its “good through” date. That is the last day the amount is valid, so ask for one that runs past your sale date.
Not yet. It is an invitation to apply, not an approval. Your servicer decides after reviewing your application. If your complete application is in more than 37 days before the sale, the servicer generally can’t sell until it gives you a decision, but one missing page can cost you that protection.
Check your servicer’s website for “Payoff” or “Reinstatement,” or call the number on your statement and ask for both, good through a date after your sale. If a foreclosure law firm is handling your loan, request it from them; their number is on your notice. Ask right away, because foreclosure can slow things down. If you work with us, our attorney orders these for you.
Working with us
Five steps to stop the foreclosure, then one of two paths depending on whether you want to sell or stay.
1Free consultation
Day 1
You
Tell us what’s happening and send us your mortgage numbers. We can meet by phone or in person.
We
Walk through your numbers and your options, including ones that don’t involve us. No cost.
2Review and sign
Often within a day or two
You
Read the agreement, with family or an attorney if you want, then sign.
We
Send the agreement and record it with the county. Your cancellation window starts.
3Order official numbers
Right after signing
You
Sign the authorization so your servicer can talk to us.
We
Our attorney orders your payoff and reinstatement quotes and handles the paperwork.
4Property inspection
Scheduled with you
You
Pick a time for us to walk the home.
We
Inspect the property so we know its condition and value.
5Sale stopped
Before your sale date
You
Forward any mail from your servicer or their attorney.
We
Send the funds to stop the sale and confirm it’s cancelled.
Goal: sell at full market price so you keep more of your equity.
You keep paying your mortgage until you move out. Once the home is vacant, we take over the payments.
Goal: keep your family in the home and buy it back.
If buying back doesn’t work out, the home moves to our Reinstate & Retail program: we sell on the open market and give you time to move.
No. The consultation is free, and we never charge upfront fees.
Your latest mortgage statement, your foreclosure notice, photo ID for everyone on the deed, and a signed authorization (we provide it) that lets your servicer talk to us. The authorization only lets us see your loan information. It gives us no ownership or control of your home.
It’s smart to ask. Every agreement is in writing and recorded with the county, so it is on public record. Take the time you need, and have family or your own attorney review it before you sign. We will never pressure you.
We are also a BBB Accredited Business, and you can read our Google reviews from homeowners we have helped. Check both before you talk to us.
Yes, within the cancellation window written into your agreement. We show you exactly how long you have before you sign. If you cancel after we have already paid to reinstate your loan, you will need to repay that amount and any fees we paid.
You keep making your regular payment while you live there. Once you move out and the home is vacant, we take over the payments. See the Reinstate & Retail packages.
The deed shows who owns the home; the mortgage is the loan. When we buy, ownership moves to us, but the loan stays in your name and you keep paying it, so on-time payments help your credit. When you buy the home back with your own new loan, it pays off the old one and the deed moves back to you.
Most mortgages let the lender demand full payment when ownership changes. Lenders rarely do while payments are current, and we explain this before you sign. Learn more about Buyback.
Probate & inherited homes
Losing a loved one is hard enough. The paperwork shouldn’t cost your family the house. Probate and inherited homes are a regular part of what we do, and we can take it from here.
We have close relationships with probate attorneys who are quick and responsive. They know how we work, so the estate keeps moving instead of sitting for months.
The mortgage and the foreclosure don’t pause for probate. We can stop the sale while the estate is being settled, so the family isn’t racing a deadline.
Once the estate has someone with authority, we coordinate with the attorney and help the family sell the home or work out a way to keep it.
We can help, whatever stage the estate is in, whether or not there is a will, and whether or not probate has been opened yet. Call us as soon as payments fall behind or a foreclosure notice arrives. We bring in one of the probate attorneys we work with regularly, stop the foreclosure, and coordinate everything with the family from there.
Helpful to have on hand: copies of the death certificate, the will if there is one, and the latest mortgage statement. Don’t have them all yet? Call anyway.
Free help
These free, independent resources can also help. Use them whether or not you work with us.
General information about Georgia foreclosures, not legal, tax, or financial advice. Talk to an attorney about your situation.
Still have questions?
Send the basics and we’ll review whether one of our programs could fit. If you don’t know an answer, leave it blank. There is no obligation.
Legal
Effective October 5, 2026
This Privacy Policy explains how Synergy Foreclosure Solutions LLC (“Synergy,” “we,” “us”) collects, uses, and protects information when you visit synergyforeclosuresolutions.com, submit a form, call, or text us.
Information you give us: your name, phone number, email address, property address, foreclosure sale date, the program you are interested in, your contact preferences, any message you send, and whether you agreed to receive text messages. When we review your situation, you may also share mortgage, lien, and property details with us.
Information collected automatically: basic technical data such as browser type, device type, pages visited, and the date and time of your visit.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the text message services. All of the categories of sharing described below exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
You can opt out of text messages at any time by replying STOP. Reply HELP for help. See our SMS Terms & Conditions for details.
We do not sell or rent your personal information. We share information only as needed to provide our services, with:
We keep your information as long as needed to respond to your inquiry, complete any transaction, and meet legal, tax, and recordkeeping requirements, and then delete or de-identify it.
We use reasonable administrative, technical, and physical safeguards, including encrypted (HTTPS) connections to this website. No method of transmission or storage is completely secure.
This website and our services are intended for adults 18 and older. We do not knowingly collect information from children.
We may update this policy. The effective date above shows when it was last changed.
Synergy Foreclosure Solutions LLC
137 Johnson Ferry Rd, STE 2135, Marietta, GA 30068
Phone: (770) 525-7730
Email: justin@synergyforeclosure.com
Legal
Effective October 5, 2026
Synergy Foreclosure Solutions Text Messages, operated by Synergy Foreclosure Solutions LLC.
There are two separate text messaging programs. You choose each one separately, and neither is required to submit a form or work with us.
You opt in by checking the matching unchecked box on a form on this website, or by texting us first at (770) 525-7730. Consent is not a condition of any purchase or service.
Inquiry updates: message frequency varies based on your inquiry and transaction. Marketing: up to 10 messages per month.
Message and data rates may apply for any messages sent to you from us and to us from you. If you have questions about your text or data plan, contact your wireless provider.
You can cancel at any time by replying STOP to any message from us. We will send one message confirming that you have been unsubscribed, and you will receive no further text messages from that program. To join again, opt in the same way you did originally, or text START to (770) 525-7730.
If you are having trouble with the messaging program, reply HELP for assistance, or contact us directly at justin@synergyforeclosure.com or (770) 525-7730.
Carriers are not liable for delayed or undelivered messages.
You must be 18 or older and the account holder or authorized user of the mobile number you provide.
If you have any questions about privacy, please read our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Synergy Foreclosure Solutions LLC
137 Johnson Ferry Rd, STE 2135, Marietta, GA 30068
Phone: (770) 525-7730
Email: justin@synergyforeclosure.com
