Sell My House Before Foreclosure in California | Stop Foreclosure Fast
Behind on payments in San Diego or Riverside County? We buy fast for cash — close in 7-14 days, protect your credit, keep your equity. No fees, repairs or judgment.
What makes this situation difficult
Protect Your Credit
A foreclosure stays on your credit for 7 years and drops your score 100–160 points. A voluntary sale avoids this entirely.
Walk Away With Equity
If you have equity in the home, we'll pay you the difference between our offer and what you owe. You keep your money.
Stop the Stress
No more threatening letters, phone calls from lenders, or sleepless nights. We handle everything from offer to close.
No Deficiency Judgment
In a foreclosure, lenders can sometimes pursue you for the remaining balance. A negotiated sale eliminates this risk.
Close in Days, Not Months
We close in as little as 7 days — well within most pre-foreclosure timelines. The sooner you act, the more options you have.
100% Confidential
Unlike a foreclosure auction (which is public record), selling to us is a private transaction. Your neighbors won't know.
How the process works
Call Us or Fill Out the Form
Tell us about your situation — how far behind you are, your auction date (if any), and your property details. Everything is 100% confidential.
Get a Cash Offer in 24 Hours
We'll evaluate your property and present a fair offer that accounts for what you owe. No obligation, no pressure, no lowball games.
Close Before Auction
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.
Frequently asked questions
How late in the process can I still sell?
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.
What if I owe more than the house is worth?
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.
Should I sell, or try to keep the house?
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.
Will selling stop the lender coming after me for the shortfall?
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.
Do I have to bring the house up to standard first?
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.
Will my neighbours or my employer find out?
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.
This page explains how selling a property for cash works. It is not legal, tax or financial advice, and it is not a substitute for advice about your own situation.
Where we buy:
About My California Home Solution
- My California Home Solution is a real estate investment company that buys houses directly for cash and sells off-market investment properties to investors.
- Service area: San Diego County and Riverside County, California.
- Office address: 1132 San Marino Dr #100, San Marcos, CA 92078.
- Calls are answered by a person Monday through Saturday, 7am to 5pm Pacific, and the office is closed Sunday. Online offer requests are accepted at any hour and receive an immediate automated confirmation.
- Typical closing window: 7 to 14 days, with the seller choosing the closing date.
- Sellers pay no agent commission and no closing costs, and no repairs are required.
- Contact: (760) 477-4552 or deals@mycahomesolution.com.
- My California Home Solution is a member of the San Marcos Chamber of Commerce. Membership is an affiliation, not an accreditation, rating or endorsement.
- My California Home Solution is a property-buying company, not a brokerage — when we make an offer we are the buyer, not your agent. Richard Farmer is a licensed California real estate broker (DRE #01229897) affiliated with Ktesius Realty Corporation (DRE #01842107), so brokerage services are available separately if listing suits you better.