Stop-Gap 2nd Chance Home Initiative

Six Pathways to Stay in Your Home

Compassionate, equity-first solutions that stop foreclosure, protect dignity, and create a clear path back to stability.

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SG2CHI Programs

360°

Full-Service Support

Support Services

Families Left Behind

360 Buyback 360 Subject2 360 Short Sale & Deed 360 Reinstatement 360 Interest-Only 360 NPL/RPL Buy

The SG2CHI Framework

The Stop-Gap 2nd Chance Home Initiative

Our SG2CHI program suite gives struggling homeowners the breathing room to avoid foreclosure, stay in their homes, and rebuild toward long-term stability — all while protecting their equity and dignity. Each program is backed by investor-aligned protections and tailored to specific homeowner needs.

Lease-Only Option

360 Buyback

Sell. Stay. Buy Back.

Sell your home to CH360, remain in it as a tenant at an affordable rate, and repurchase it later at a pre-agreed price once you've stabilized.

How It Works

CH360 purchases your home to stop foreclosure. You sign a lease and stay put. A fixed buyback price gives you a clear path back to ownership on your timeline.

What You Get

Stops foreclosure immediately
Affordable, fixed lease payments
Pre-agreed repurchase price
Lease-only option if repurchase isn't your goal

Best For: Homeowners who want to stay long-term and have equity to preserve.

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Mortgage Takeover

360 Subject2

We Take Over. You Stay In.

CH360 assumes your existing mortgage subject to its current terms — keeping your low rate intact, preventing further delinquency, and keeping you in the home.

How It Works

We take the deed and step into your mortgage, handling payments directly. You stay in the home under a lease or repurchase arrangement with a clear exit pathway.

What You Get

Preserves your existing mortgage terms
Prevents further delinquency
Buyback pathway when you're ready
No foreclosure filing on your record

Best For: Homeowners with a low-rate mortgage they want preserved.

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Short Sale Option

360 Short Sale & Deed

Exit the Debt. Keep the Home.

Avoid foreclosure by transferring or selling your home below the debt balance while remaining housed — stopping the spiral before it reaches a sale date.

How It Works

CH360 coordinates a short sale or Deed-in-Lieu with your lender, then offers you an occupancy agreement so you can stay in place. Credit damage is minimized.

What You Get

Stops foreclosure immediately
Lender-coordinated short sale or deed transfer
Option to lease and repurchase later
Protects credit vs. full foreclosure

Best For: Homeowners underwater on their mortgage who want to stay housed.

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Deferred Payment

360 Reinstatement

We Cure the Default. You Keep the Home.

CH360 pays your arrears, receives the deed, and leases the home back to you affordably — with the unpaid balance deferred until your future repurchase.

How It Works

We cure the mortgage default with our own funds, take the deed for protection, and let you lease the home while you rebuild. The deferred lien is settled when you buy back.

What You Get

Immediate foreclosure cure
Deed transfer for investor protection
Affordable leaseback in place
Deferred lien due only at repurchase

Best For: Homeowners who are behind but have a clear path to future income.

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Temporary Relief

360 Interest-Only

Breathe. Recover. Transition.

A restructured interest-only payment period of 1–3 years reduces your obligations while you stabilize income and prepare for a full SG2CHI solution.

How It Works

We restructure your payments to interest-only, eliminating principal pressure while you recover financially. A custom exit plan transitions you smoothly into the right long-term program.

What You Get

Payments reduced for 1–3 years
No balloon payments
Custom exit plan included
Bridge into full SG2CHI solution

Best For: Homeowners still holding their mortgage who need breathing room now.

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Institutional

360 NPL/RPL Buy

Portfolio-Scale. Mission-Driven.

CH360 acquires non-performing and re-performing loan portfolios from banks, HUD, and VA — then offers borrowers tailored workouts instead of foreclosure.

How It Works

We purchase distressed loan pools at a discount and apply SG2CHI solutions to each borrower. Institutions get impact-aligned exits. Borrowers get second chances.

What You Get

Acquires NPL/RPL pools from banks & agencies
Borrowers receive individual workout plans
Scales impact across many households
ESG- and CRA-aligned for institutional partners

Best For: Banks, CDFIs, and servicers with distressed loan portfolios.

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Going Further

Additional Support Services

Beyond our six core programs, every CH360 client has access to wraparound services designed for lasting stability.

Financial Counseling & Credit Coaching

Mandatory before lease or repurchase, our partnered counseling covers budgeting, debt management, credit repair, and homeownership prep.

Second Chance Mortgage

A structured buyback mortgage enabling homeowners to repurchase from CH360 at below-market fixed rates — no balloon payments, no surprises.

Assistance Fund & Rent Relief

One-time grants or zero-interest loans for urgent needs — utility arrears, relocation, closing costs, minor repairs — so small shocks don't become new crises.

Risk Mitigation & Program Safeguards

Every program is designed to protect both investor capital and occupant dignity — with deed control, quarterly monitoring, and eviction as a true last resort.

Impact & ESG / IRIS+ Integration

CH360 aligns all operations with ESG frameworks — Environmental (rehab & reuse), Social (housing security), and Governance (transparent KPIs).

Investor-Attractive Returns

Mission alignment and financial discipline aren't mutually exclusive. CH360's model delivers IRR through discounted acquisitions, fixed buyback premiums, and low overhead.

Which Program Is Right for You?

Every situation is different. Here's a quick guide.

Your Situation	Best Program	Key Benefit
Behind on payments, want to stay long-term	360 Buyback	Fixed repurchase price + affordable lease
Have a low mortgage rate you want to keep	360 Subject2	Your rate is preserved, foreclosure stopped
Underwater but want to stay housed	360 Short Sale & Deed	Exit the debt without losing the home
Need someone to cure arrears immediately	360 Reinstatement	Default cured, deferred until buyback
Still paying but need payment relief now	360 Interest-Only	Reduced payments for 1–3 years
Bank or servicer with a distressed portfolio	360 NPL/RPL Buy	Portfolio exit + borrower solutions

Not Sure Which Program Fits?

Our team will review your situation at no cost and match you with the right SG2CHI pathway. The conversation is free. The support is real.

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The Stop-Gap 2nd Chance Home Initiative

Your Situation

Best Program

Key Benefit

Behind on payments, want to stay long-term

360 Buyback

Fixed repurchase price + affordable lease

Have a low mortgage rate you want to keep

360 Subject2

Your rate is preserved, foreclosure stopped

Underwater but want to stay housed

360 Short Sale & Deed

Exit the debt without losing the home

Need someone to cure arrears immediately

360 Reinstatement

Default cured, deferred until buyback

Still paying but need payment relief now

360 Interest-Only

Reduced payments for 1–3 years

Bank or servicer with a distressed portfolio

360 NPL/RPL Buy

Portfolio exit + borrower solutions