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Foreclosure Timeline: What Happens When You Miss Payments
30 Days Late
Your credit takes a hit, and your lender starts contacting you with collection calls.
60-90 Days Late
You'll receive a Notice of Default—a formal step toward foreclosure proceedings.
90+ Days Late
Foreclosure proceedings begin. The lender actively works to take possession of your home.
The Fastest Way Out: Sell Your House for Cash
One of the fastest ways to avoid foreclosure in California is to sell your Sacramento house to a cash buyer. This isn't about giving up—it's about taking control of a difficult situation and coming out with your finances intact.
Why Consider a Cash Sale?
Traditional Sale
60-90+ Days
- •Repairs and cleaning required
- •5-6% agent commissions
- •Buyer financing can fall through
- •Lengthy closing process
- •Risk of foreclosure during sale
Cash Sale
7-14 Days
- •No repairs or cleaning needed
- •Zero agent fees or commissions
- •Close in as little as 7 days
- •Avoid foreclosure completely
- •Walk away with cash in hand
How Our Home-Buying Process Works
We make selling your house fast simple. Here's what you can expect:
Our Simple 3-Step Process
Step 1: Request Your Free Offer
Fill out the form on our site with basic details about your property. No need to clean or prepare—just tell us about your home.
Step 2: Get a Fair All-Cash Offer
We'll evaluate your property and give you a fair cash offer within 24 hours. No games. No fees.
Step 3: Choose Your Closing Date
You pick the closing date that works best for your timeline. We take care of everything—paperwork, title, and closing costs.
What If You Have No Equity?
Even if you owe more on your mortgage than your house is worth, a cash sale may still be possible. We specialize in:
- Underwater mortgages
- Pre-foreclosure homes
- Inherited properties with liens
Common Reasons Homeowners Fall Behind
We hear from homeowners every week with stories that sound just like yours. These are the most common reasons people fall behind on payments:
- Sudden job loss or reduced hours
- Medical emergencies or long-term illness
- Divorce or separation
- Relocation for work or family
- Inherited property with existing mortgage debt
- Rising cost of living
Benefits of Selling to a Local Home Buyer
Working with a Sacramento-based buyer has clear advantages:
What Happens If You Wait Too Long?
Don't wait. Even if you're only a few weeks behind, now is the time to act.
Frequently Asked Questions
- Can I sell my house if I'm already in pre-foreclosure?
Yes! In fact, selling to a cash buyer is often the best option during pre-foreclosure. We can close quickly before the foreclosure process completes, helping you avoid the lasting damage to your credit.
- How fast can you actually close?
We can close in as little as 7 days, though most sales complete within 14-21 days. You choose the closing date that works best for your situation.
- What if I owe more than my house is worth?
We may still be able to help through a short sale or subject-to arrangement. Contact us for a free consultation to explore your options—there's no obligation.
- Do I need to make repairs before selling?
Absolutely not. We buy houses in any condition—no repairs, cleaning, or staging required. We handle everything as-is.
- Are there any fees or commissions?
No. Unlike traditional sales with 5-6% agent commissions, we charge zero fees. The offer we make is the amount you receive at closing.
Part of Our Complete Guide
Avoiding Foreclosure in California: All Your Options ExplainedRead the full guide for more in-depth information on this topic.
Frequently Asked Questions
How far behind on mortgage payments before foreclosure in Sacramento?
California lenders can begin foreclosure after 90 days of missed payments. However, you have options to sell your home up until the foreclosure auction date, which is typically 4-6 months after the process begins.
Can I sell my Sacramento house if I'm behind on payments?
Yes, you can sell your home anytime before the foreclosure auction. A cash sale can close in 7-14 days, allowing you to pay off your mortgage, avoid foreclosure on your credit, and potentially walk away with equity.
Will selling before foreclosure hurt my credit less?
Yes, significantly. A foreclosure stays on your credit for 7 years and can drop your score 100-150 points. Selling before foreclosure shows as a normal sale and preserves your ability to buy again sooner.
Need to Sell Your California House Fast?
We buy houses in any condition throughout California. Get a fair cash offer with no obligations.
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