If you've received a notice of default or are behind on payments, you're not alone — and you're not out of options. Brian & Happi Beisser help Lowcountry homeowners find a path forward before it's too late.
Get Free Help Now → Call Us DirectlyPre-foreclosure is the period between your first missed payment and the bank formally taking your home. This window — often 3 to 6 months in South Carolina — is your best opportunity to act.
After missed payments, your lender files a Notice of Default. This begins the pre-foreclosure clock. South Carolina is a judicial foreclosure state, so you typically have more time than in other states.
The earlier you act, the more options you have. Waiting until after a foreclosure sale eliminates most of your choices and severely damages your credit for 7+ years.
South Carolina law gives homeowners certain protections. You have the right to know your options, negotiate with your lender, and sell your home before the auction — keeping more of your equity.
Every situation is different. There is no one-size-fits-all answer — but there is almost always a solution better than foreclosure.
A quick home sale lets you pay off your mortgage, protect your credit, and potentially walk away with remaining equity. We specialize in fast, fair sales for homeowners in distress.
If you owe more than the home is worth, a short sale lets you sell for less than the mortgage balance — with lender approval. This avoids foreclosure and is far less damaging to your credit.
We can connect you with resources to help negotiate with your lender for a modified payment plan, temporary forbearance, or extended loan terms to make payments manageable again.
As a last resort, voluntarily transferring the deed to your lender avoids the full foreclosure process, can be faster, and is less damaging than a completed foreclosure on your record.
We've helped homeowners across Beaufort, Bluffton, Hilton Head Island, and Port Royal navigate these situations with dignity and clarity.
Tell us about your situation. No judgment, no pressure. We listen first and help you understand all your options.
We'll provide a free comparative market analysis so you know exactly what your home is worth right now.
Together, we map out the best path forward — whether that's a fast sale, short sale, or helping you connect with lender assistance programs.
We guide you every step of the way, communicate with lenders on your behalf, and work quickly to protect your home and credit.
We've helped families across the Lowcountry through some of their most difficult moments.
"We were two months behind and didn't know what to do. Brian walked us through everything calmly and helped us sell in 3 weeks before the bank took action. We walked away with money in our pocket and our credit intact."
— J.M., Beaufort SC"I was embarrassed to even ask for help, but Brian and Happi made me feel like family. They knew exactly what to do and handled everything. I didn't even know a short sale was possible."
— T.R., Bluffton SC"Military life meant a sudden move and I couldn't sell fast enough. Happi Home Solutions stepped in, moved quickly, and saved my credit score. I can't thank them enough."
— Sgt. D.W., Port Royal SCConfidential. No obligation. We respond within 24 hours — often same day.
We know you have questions. Here are the ones we hear most often.
South Carolina is a judicial foreclosure state, meaning the lender must go through the courts. This typically takes 6–12 months from first missed payment to foreclosure sale, giving you meaningful time to act — but you should not wait.
A pre-foreclosure sale is significantly less damaging than a completed foreclosure. While missed payments will still impact your credit, avoiding the foreclosure itself can help you recover much faster — sometimes allowing you to buy again within 2–3 years.
Our consultation is 100% free. If you decide to sell your home, our commission is paid from the sale proceeds — there are no out-of-pocket costs to you. We only succeed when you succeed.
A short sale may be the right solution. We've helped homeowners negotiate short sales with lenders, which can discharge the remaining debt and allow you to move forward without a full foreclosure on your record.
Absolutely. We specialize in helping military families at Parris Island, MCAS Beaufort, and across Beaufort County navigate rapid relocations and financial hardships with the SCRA and other military-specific protections in mind.
Every day you delay narrows your options. Reach out today — a 15-minute conversation could change everything. No pressure, no judgment, just honest help from people who care about this community.
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