FAQ
Answers to common questions.
Questions people ask us about probate, foreclosure, inherited homes, and how we work. If yours isn't here, Eric is happy to answer it.
Probate & inherited homes
Do I have to go through probate to sell an inherited house?
It depends on how the house was owned. If it passed by a transfer-on-death deed or joint ownership with survivorship, probate may not be needed for the house. Otherwise, someone usually needs authority from the court before the house can be sold. A probate attorney can tell you which applies.
How long does probate take?
Often several months, and longer if there are disagreements, debts to settle, or missing paperwork. It helps to start early and keep the house insured and maintained in the meantime.
What if several family members inherited the house?
Generally, everyone who shares ownership needs to agree before the house can be sold. Talking through the options together early, ideally with the estate's attorney, can prevent conflict later.
There's still a mortgage on the house. What happens to it?
The loan doesn't go away when the owner dies, but federal law generally lets a relative who inherits the home keep the existing loan. Contact the loan servicer, tell them about the death, and keep payments current if you can while you decide.
Do I need to clean out the house before selling?
Not necessarily. Some buyers, including us, buy houses as they are. Take the time you need to go through belongings that matter to your family.
Foreclosure
I've missed payments. What should I do first?
Call your loan servicer and ask what options they offer, such as a repayment plan, forbearance or loan modification. A free HUD-approved housing counselor (hud.gov or 800-569-4287) can help you understand them.
Can I still sell my house if I'm behind on payments?
Usually, yes, as long as you still own it. The sale pays off the loan at closing. Selling before a foreclosure is final can protect your credit and any equity you have.
I was served with court papers. Is it too late?
Not necessarily. In Kansas, foreclosure goes through the courts, and you have the right to respond. Talk with a foreclosure attorney right away, and don't ignore the deadlines in the papers.
How do I avoid foreclosure scams?
Be careful with anyone who asks for upfront fees, guarantees to stop a foreclosure, or asks you to sign over your deed. Check with a HUD-approved counselor or an attorney before signing anything.
Talking with us
Who are you?
Rapid Property Solutions is a local Wichita company founded by Eric Santiago. We buy houses directly from owners, then repair and resell them or keep them as rentals. We're not real estate agents and don't list homes.
Does it cost anything to talk with Eric?
No. Calling is free and doesn't commit you to anything. Many conversations end with Eric pointing someone to an attorney, a housing counselor or an agent.
If I do sell to you, will I get full market value?
Usually not. Because we buy as-is and take on repairs and the cost of reselling, our price is typically below what a fully repaired house would sell for on the open market. In return there are no repairs, showings or commissions, and you choose the closing date. Eric will explain how we arrived at any number, and you're never under pressure to accept.
Will you share my information?
No. What you share with Eric stays private.
Didn't see your question?
Ask Eric directly. There's no cost and no obligation.