Avoid Foreclosure
What Avoid Foreclosure means
If you’re behind on mortgage payments or your lender has already started the foreclosure process, time matters. We make a fair cash offer within 24 hours and can close in as little as 7 days — often before the foreclosure date. Selling for cash before foreclosure protects your credit (a sale shows differently than a foreclosure on your record), pays off the mortgage in full, and may even leave you with proceeds if there’s equity. We’ve worked with homeowners at every stage from 30 days late through Notice of Default.
When this is the right path
Homeowners who have received foreclosure notices, are behind on payments, or whose lenders are threatening to start the process. Often facing time pressure from sale dates set by trustees.
How we help
- Close before the foreclosure date — Close before the foreclosure date — typically 7-21 days
- Stop foreclosure proceedings cold — Stop foreclosure proceedings cold
- Pay off your mortgage in full — Pay off your mortgage in full
- Possible to walk away with proceeds if there’s equity — Possible to walk away with proceeds if there’s equity
- Sale on your record looks different than a foreclosure — Sale on your record looks different than a foreclosure
Typical timeline
Most avoid foreclosure situations close in 7-30 days to close. The exact timing depends on your circumstances, the title company’s calendar, and any third parties involved (mortgage lenders, attorneys, courts in the case of probate or foreclosure).
What you avoid by selling for cash
| Traditional Sale | Cash Sale to Us |
|---|---|
| 3-6 months on market | 7-60 days |
| 5-6% realtor commissions | $0 commissions |
| Repairs to make it sellable | None required |
| Open houses and showings | None |
| Buyer financing falls through | Cash close — no contingency |
| Inspection-driven renegotiation | We do our own walkthrough |
| Closing costs on the seller | We pay closing costs |
Frequently asked questions
Can you close fast enough to stop my foreclosure?
Often, yes. We can close in as little as 7 days from the time we agree on price. If your trustee sale or auction date is more than 14 days away, we typically have time. Even if it’s closer, we may be able to work with your lender to delay the sale once a buyer (us) is under contract. The earlier you reach out, the more options we have.
Will selling for cash hurt my credit?
A sale is reported very differently than a foreclosure. Foreclosures stay on credit reports for 7 years and can drop scores by 100-160 points. A sale that pays off the loan in full has no such impact — the lender simply marks the loan as paid. If you also owed back payments before sale, those will still show as late, but the foreclosure itself is avoided.
What if my mortgage is more than the house is worth?
If you owe more than market value (underwater), traditional sale isn’t viable, but you may qualify for a short sale where the lender accepts less than the full balance. We have experience working with lenders on short sale approvals. Alternatively, if the underwater amount is small, we sometimes adjust our offer to make the deal work. Send us your details and we’ll tell you honestly what’s possible.
Get your cash offer for avoid foreclosure
Tell us about your property. We’ll review the details and reach out within 24 hours with a no-obligation cash offer.
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