At the heart of KarmaExit is real help for real people.
My name is Ephrem Fuffa, and I founded KarmaExit with one clear mission: to help homeowners facing foreclosure avoid unnecessary loss—and to do it with integrity, compassion, and real solutions.
I’m also a proud member of the SubTo Community, a nationwide network of over 15,000 real estate investors, private money lenders, and creative finance experts. Together, we specialize in solving complex real estate problems through options most homeowners are never told about.
Here at KarmaExit, we are not attorneys or financial advisors. We do not charge for our service, and the information we provide is for educational purposes only. Our goal is to help you understand your options clearly—whether that’s reinstating your loan, modifying it, selling at the highest possible price, or structuring a creative solution that allows you to keep your equity and avoid foreclosure altogether.
When you work with KarmaExit, you’re not just working with one person—you’re getting access to a powerful, trusted network that puts your needs first. There’s no pressure, no judgment—just a team committed to helping you move forward with clarity and dignity.
We believe in second chances, fair outcomes, and empowering homeowners with the knowledge to make the best decision possible.