Sell your house fast before foreclosure
Behind on payments or already got a notice? A fast cash sale can pay off your loan before the auction, keep a completed foreclosure off your record, and may leave you with money in your pocket.
- Close before your sale date
- We work directly with your lender
- No repairs, fees or closing costs
4 ways to handle a foreclosure
Selling isn’t the only option. Here’s an honest look at each one, so you can pick what fits your situation.
Loan modification
Your lender may lower the payment or add missed payments to the loan. Worth asking first if you want to keep the house. A HUD-approved housing counselor can help for free.
Reinstatement
Pay the missed payments plus fees in one lump sum to bring the loan current. Works if you can get the cash together before the deadline.
Short sale
If you owe more than the house is worth, the lender may accept less. It needs lender approval and often takes months.
Sell for cash
The fastest route if you have equity. The loan is paid off at closing, the foreclosure ends, and you keep what’s left. Get an offer →
How selling before foreclosure works
- Reach out as soon as you can. The more time before the sale date, the more options you have.
- We check your timeline and payoff. We look at what you owe, any liens and your auction date, if one is set.
- Get a cash offer within 24 hours. We show you the numbers, including what you’d walk away with.
- We handle the lender paperwork. Our title company or closing attorney orders the payoff and works with your lender.
- Close before the sale. The loan is paid in full at closing, the foreclosure stops, and you get any remaining equity.
Foreclosure rules and timelines vary by state. This is general information, not legal or financial advice.
What we take care of
- Offers within 24 hours, even on short notice
- Payoff requests and lender coordination
- Fast closings when a sale date is close
- We pay all of your closing costs
- Leave behind anything you don’t want
“I lost my job and got behind on my mortgage… We closed in 9 days and I avoided foreclosure.”
How much time do you have?
Mortgage servicers generally can’t start the foreclosure process until a loan is more than 120 days behind. After that, the timeline depends a lot on your state.
States that go through the courts
In judicial states like Illinois and Florida, the lender has to file a lawsuit, so the process usually takes longer and there are court dates along the way.
States that don’t
In non-judicial states like Texas, Georgia, Arizona and Nevada, the lender can sell the house without going to court. Once a sale date is set, things can move within weeks.
What that means for you
Whatever state you’re in, don’t wait for the auction notice. The earlier you call, the more choices you’ll have, and the more equity you can protect. If you’d rather keep the house, talk to your lender or a free HUD-approved housing counselor first.
Foreclosure questions
Can I sell my house if it’s already in foreclosure?
Usually yes, right up until the foreclosure sale. The sale proceeds pay off your lender at closing, and any money left over is yours.
Will selling stop the foreclosure?
Once your loan is paid off in full at closing, the lender has no reason to continue, and the foreclosure ends. We coordinate the payoff with your lender to make sure it happens before the sale date.
What if I owe more than the house is worth?
Then a regular cash sale may not cover the loan. A short sale, where the lender agrees to accept less, might be an option. Call us and we’ll tell you honestly what makes sense.
Will a sale hurt my credit?
Late payments that were already reported stay on your report. But avoiding a completed foreclosure is generally much better for your credit than letting one go through.
How fast can you close?
In most cases we can close in as little as 2–3 weeks, and sometimes faster when title is clear and a sale date is close.
We buy houses in 30+ markets, including Houston, Dallas, Phoenix, Atlanta, Tampa Bay, Las Vegas and Chicagoland. See all markets →
Don’t wait for the auction date
Get a free, no-obligation cash offer within 24 hours.