Facing Foreclosure

You may have better options than you think...

MY STORY

I've been there.

"When I was a kid in 2008, my family went through bankruptcy and foreclosure. It started with the lights getting turned off, then the water. I remember my mom taking my brother and me to McDonald's so we could eat off the dollar menu and not getting anything for herself; collecting rainwater outside so we could flush the toilet. Ultimately, we lost our home and moved in with my grandmother. All of this is to say, I know exactly how isolating and frightening it can be to go up against the bank. I started Halo Homes to be the help I wish my family had. My promise is simple: I'll listen first, treat you with dignity, and work tirelessly to find you a solution that takes care of EVERYTHING, not just the bank note."

— GABE ENGEL, FOUNDER · HALO HOMES

OUR TOOL KIT

Build Your Fresh Start:

When you work with us, you don't just walk away- you walk forward. Depending on your situation, your fresh start could include:

Money in Your Pocket

Fresh Start Fund (Cash)

First Month's Rent Paid

Monthly Checks Option

Credit Card Debt Forgiveness

Loaded DoorDash Card

Downpayment Assistance

Gas & Groceries Card

No Car Payments

Make a Wish

We Handle the Hard Stuff

Move-Out Assistance

Junk Removal & Cleaning Service

Choose Your Move Date

Utility Transfer Assistance

New Home Acquisition Team

Credit Repair & Financial Counseling

Every situation is different- the benefits above are examples, and we'll tailor your fresh start to what you actually need.

How it works

Listen · Envision · Empower

Step 1

Listen

We start with a conversation. No judgment, no pressure.

Step 2

Envision

We design a creative solution built around you- often something other buyers can't or won't offer.

Step 3

Empower

We put the plan in motion and set you up with the tools you need for a full finances reset.

That's the heart of it. Here's the engine that makes it possible.

Financial Engineering

How we offer more than the typical investor.

Most investors have one playbook: lowball, then sell at market price. We do the opposite. We acquire the home subject-to its existing low-rate mortgage (bringing the loan current if you've fallen behind, or simply paying you cash if you haven't), and then offer a new loan at current market interest rates through what is called a wrap.

If that sounds technical, good. It's our edge. But here's all you actually need to know: your locked-in mortgage rate could be worth real money, and we want to share that with you.

"I'm a finance nerd, full stop. I love the creative liberty this way of structuring allows for all parties."

— GABE ENGEL, FOUNDER

In finance terms, what we are doing is ultimately called "interest rate arbitrage." It is the same move big corporations and banks make, but this time for the everyday person. Here is an example of how it works: Person 1 interest rate is 3.5%, $250 monthly interest payment. Halo Homes acquires the home subject-to without getting rid of the old mortgage note. Person 2 is willing to pay at a 7% interest rate today, $500 monthly interest payment. Halo Homes lends to Person 2 and makes $250 per month. This is value out of thin air that can be passed down to Person 1, you!
Service Area

Proudly serving Greenville & the entire Upstate.

Based in Greenville, South Carolina, we help homeowners across the Upstate — including Greer, Mauldin, Simpsonville, Easley, Travelers Rest, Anderson, Spartanburg, and the surrounding communities.

GreenvilleGreerMauldinSimpsonvilleEasleyTravelers RestAndersonSpartanburg
Upstate SC
Greenville HQ
Contact

Let's talk. No pressure, no obligation.

Everything you share is confidential. Reaching out costs nothing and commits you to nothing.

Preferred contact method

Confidential. No fees. No pressure.