There is no single "right" way to stop a foreclosure. The best option depends on your goals, your timeline, and what you want your life to look like after. Here's a complete comparison to help you decide.
Use this comparison to understand which option best fits your situation.
| Option | Stay in Home? | Get Cash? | Own Again? | Speed | Best For |
|---|---|---|---|---|---|
| Reinstate & RetailPopular | 30–90 days | ✅ Yes — equity share | ❌ No | ⚡ Fast | Maximizing equity |
| Buyback Program | ✅ Yes — up to 1 year | ✅ Up to $20K upfront | ✅ Yes — buy back | ⚡ Fast | Long-term homeownership |
| Cash Sale | Short-term | ✅ Yes — proceeds | ❌ No | 🚀 Fastest | Quick clean exit |
| Long Term Rent Back | ✅ Yes — 1–5+ years | Partial | ❌ Not immediately | ⚡ Fast | Stability, no move |
| Bankruptcy (Ch. 13) | Possibly | ❌ No | Maybe | 🐢 Slow (months) | Complex debt situations |
| Do Nothing | ❌ Eviction follows | ❌ No | ❌ No | Foreclosure proceeds | Not recommended |
* Synergy offers the top 4 options above. Bankruptcy information is provided for reference only — consult a licensed attorney.
The Reinstate & Retail Program is your best bet. Synergy stops the foreclosure and sells your home at full retail value, sharing the equity with you at closing.
Explore Reinstate & RetailThe Buyback Program gives you up to 12 months to qualify for a new mortgage and purchase your home back. You stop the foreclosure and keep your home.
Explore the Buyback ProgramA Cash Sale is the fastest option. Synergy can purchase your home and stop the foreclosure in days. You receive cash proceeds and a clean break.
Explore Cash SaleThe Long Term Rent Back program lets you stay in your home as a renter for 1–5+ years after Synergy purchases it. No disruption to your family's life.
Explore Rent BackMost foreclosure companies offer one option: buy your house for cash. Synergy is different. We offer four programs because we believe every homeowner deserves a solution tailored to their specific needs.
We cover reinstatement funds, closing costs, and probate costs. You owe nothing to stop your foreclosure.
Our attorney comes to you. No need to leave your home or navigate unfamiliar offices.
We specialize exclusively in Georgia foreclosures and know the state's laws inside and out.
That's exactly what our free consultation is for. Call or text us and we'll walk through your situation together — no pressure, no obligation.
Call or Text 770-525-7730Free consultation · No obligation · Confidential