Stop-Gap 2nd Chance Home Initiative

Six Pathways to Stay in Your Home

Compassionate, equity-first pathways that may support foreclosure-prevention review, dignity, and a path toward 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 a structured way to review foreclosure-prevention options, housing stability, and long-term recovery. Each program is subject to documentation, eligibility, legal terms, partner or servicer approval where applicable, and final agreements.

CH360 is not a mortgage lender. Preliminary recommendations are not approvals, and no outcome is guaranteed.

Lease-Only Option

360 Buyback

Review. Stabilize. Consider Repurchase.

A potential leaseback and repurchase pathway may let you remain in the home while a future ownership option is reviewed after stabilization.

How It Works

CH360 may review an acquisition, leaseback, and repurchase pathway. Terms depend on documentation, affordability, DSBD review, legal agreements, and final approval by the appropriate parties.

What You Get

Designed for urgent foreclosure-prevention review
Lease terms subject to affordability and documentation
Potential repurchase option subject to final agreements
Lease-only option may be reviewed if repurchase is not your goal

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

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Subject-To Review

360 Subject2

Review Existing Terms Carefully.

A Subject-To pathway may be reviewed when existing loan terms could support stabilization, subject to legal, insurance, title, and servicer considerations.

How It Works

CH360 and counsel review whether a deed, occupancy, and payment-responsibility structure is appropriate. Any pathway depends on documentation, legal terms, and final agreements.

What You Get

Existing mortgage terms reviewed for feasibility
Payment-responsibility structure subject to legal review
Potential repurchase pathway if approved later
Requires clear documentation and final agreements

Best For: Homeowners with existing loan terms that may be worth reviewing.

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Short Sale Option

360 Short Sale & Deed

Review Alternatives With the Servicer.

A lender- or servicer-approved short sale, deed option, or occupancy plan may be reviewed when the mortgage balance exceeds the available options.

How It Works

CH360 may coordinate documentation and review with the lender or servicer, then evaluate whether an occupancy or transition agreement is available. Credit outcomes are not guaranteed.

What You Get

Foreclosure-prevention pathway subject to servicer review
Lender-coordinated short sale or deed transfer
Possible lease or repurchase review if feasible
Credit outcomes depend on lender, servicer, and reporting factors

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

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Deferred Payment

360 Reinstatement

Review Arrears Resolution.

A reinstatement pathway may support arrears-resolution review, leaseback, and deferred repayment planning when current servicer figures and documents support it.

How It Works

CH360 reviews arrears, reinstatement figures, deed or lien structure, lease terms, and repayment timing. Any arrangement requires documentation, affordability review, and final agreements.

What You Get

Arrears-resolution review
Deed or lien structure subject to legal review
Potential affordable leaseback
Deferred balance terms subject to final agreements

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 temporary payment-relief pathway may be reviewed for 1 to 3 years while income stabilizes and a longer-term SG2CHI pathway is evaluated.

How It Works

CH360 reviews whether a lender, servicer, or partner-supported payment arrangement is available. Any reduced-payment pathway requires documentation, approval by the proper party, and a transition plan.

What You Get

Payment-relief review for 1 to 3 years
No balloon payment promised by CH360
Custom exit plan reviewed with the case team
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 may support institutional or partner acquisition of non-performing and re-performing loan portfolios, then review borrower-specific stabilization options.

How It Works

CH360 and partners review distressed loan pools, documentation, and borrower needs before applying SG2CHI options. Institutions get impact-aligned review; borrowers get case-by-case support.

What You Get

Acquires NPL/RPL pools from banks & agencies
Borrowers receive individual workout review
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

Before any lease or repurchase pathway moves forward, partnered counseling may cover budgeting, debt management, credit rebuilding, and homeownership readiness.

Second Chance Mortgage

A potential partner-supported repurchase financing pathway may be reviewed after documentation, underwriting, legal terms, and homeowner eligibility are confirmed.

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 can work together. CH360 models projected IRR through discounted acquisitions, reviewed repurchase premiums, and operating discipline.

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	Potential repurchase option + lease review
Have a low mortgage rate you want reviewed	360 Subject2	Existing terms reviewed with legal and servicer safeguards
Underwater but want to stay housed	360 Short Sale & Deed	Exit the debt without losing the home
Need arrears-resolution support reviewed	360 Reinstatement	Deferred repayment pathway subject to review
Still paying but need payment relief now	360 Interest-Only	Payment-relief review for 1 to 3 years
Bank or servicer with a distressed portfolio	360 NPL/RPL Buy	Portfolio review + borrower-by-borrower support

Not Sure Which Program Fits?

Our team will review your situation at no cost and discuss pathways that may be worth further review. Final terms depend on documentation, eligibility, legal review, partner approval, and final agreements.

Get a Free Assessment See How It Works

The Stop-Gap 2nd Chance Home Initiative

CH360 is not a mortgage lender. Preliminary recommendations are not approvals, and no outcome is guaranteed.

Your Situation

Best Program

Key Benefit

Behind on payments, want to stay long-term

360 Buyback

Potential repurchase option + lease review

Have a low mortgage rate you want reviewed

360 Subject2

Existing terms reviewed with legal and servicer safeguards

Underwater but want to stay housed

360 Short Sale & Deed

Exit the debt without losing the home

Need arrears-resolution support reviewed

360 Reinstatement

Deferred repayment pathway subject to review

Still paying but need payment relief now

360 Interest-Only

Payment-relief review for 1 to 3 years

Bank or servicer with a distressed portfolio

360 NPL/RPL Buy

Portfolio review + borrower-by-borrower support