If you're behind on payments or facing foreclosure, you still have options. We buy houses for cash in as little as 7 days — protecting your credit score and letting you walk away with your equity intact.
A foreclosure is devastating — 7 years on your credit, potential deficiency judgments, and public record. Selling to us avoids all of that.
A foreclosure stays on your credit for 7 years and drops your score 100–160 points. A voluntary sale avoids this entirely.
If you have equity in the home, we'll pay you the difference between our offer and what you owe. You keep your money.
No more threatening letters, phone calls from lenders, or sleepless nights. We handle everything from offer to close.
In a foreclosure, lenders can sometimes pursue you for the remaining balance. A negotiated sale eliminates this risk.
We close in as little as 7 days — well within most pre-foreclosure timelines. The sooner you act, the more options you have.
Unlike a foreclosure auction (which is public record), selling to us is a private transaction. Your neighbors won't know.
| Sell to Us | Foreclosure | |
|---|---|---|
| Credit Impact | No foreclosure on record | 100–160 point drop, 7 years |
| Equity | You keep remaining equity | Lost at auction |
| Timeline | Close in 7–14 days | 3–6 months of stress |
| Privacy | Private transaction | Public auction record |
| Future Buying | Can buy again immediately | Wait 3–7 years for new mortgage |
| Deficiency Risk | None — clean break | Lender may pursue balance |
| Your Cost | $0 — we pay everything | Legal fees, moving costs, credit repair |
Tell us about your situation — how far behind you are, your auction date (if any), and your property details. Everything is 100% confidential.
We'll evaluate your property and present a fair offer that accounts for what you owe. No obligation, no pressure, no lowball games.
We work with your lender and title company to close fast — often in 7–14 days. You walk away with equity and a clean credit record.
Every day matters when you're facing foreclosure. The sooner you reach out, the more options you have. Our process is fast, confidential, and completely free.
A sale can generally still be completed at any point before the trustee's sale actually takes place, so the auction date is the deadline that matters rather than whichever notice you have already received. What changes as that date gets closer is how much room there is to work: an escrow needs time for title work and lender coordination, so the earlier you start, the more likely a sale closes cleanly. If your sale date is close, say so on the first call and we will tell you honestly whether the timing is realistic.
Then a straightforward cash purchase may not be possible, because we would have to pay off the loan in full to take title. In that situation a sale usually depends on the lender agreeing to accept less than the balance, which is their decision rather than ours and takes considerably longer than a normal closing. We will tell you upfront if that is the position you are in, rather than letting you discover it weeks later.
Sometimes keeping it is genuinely the better outcome, and we would rather say so. If your income has recovered, a reinstatement or a loan modification through your servicer may keep you in the home, and a HUD-approved housing counsellor can review those options with you at no cost. If the house has real equity and there is enough time, listing it on the open market will usually net more than any cash offer, including ours. Selling to us makes sense when time is short, when condition is the obstacle, or when certainty matters more than the last few percent.
That depends on the loan, how the sale is documented, and how California law applies to your particular circumstances — which means it is not something we can answer for you, and not something you should take our word on. It is a real question and it deserves a real answer from an attorney. What we can do is tell you what our offer is and what would be paid off at closing, so you and your lawyer are working from actual numbers.
No. We buy as-is, which includes deferred maintenance, damage, and a house still full of belongings you have not had the time or money to deal with. There is no cleaning, no repairs and no showings. For a household already stretched thin, not having to spend money in order to sell is usually the whole point.
Any default notices already filed are public record, and no sale can undo that. What a sale does avoid is the auction itself, along with the sign, the lockbox and the stream of strangers that a traditional listing brings. Our conversations with you are private, and we do not contact your employer, your neighbours or your family.