Time Is Critical
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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 Hidden Costs of Waiting
This timeline is stressful and expensive. Late fees, legal costs, and a damaged credit report pile up quickly. The longer you wait, the fewer options you have.
The Fastest Way Out: Sell Your House for Cash
One of the fastest ways to avoid foreclosure is to sell your 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
Best for Pre-Foreclosure
This option isn't for everyone. But if you're behind on payments and need a clean break, a cash sale may be the fastest way to protect your credit and move forward with your life.
How Our Home-Buying Process Works
We make it easy to sell your house in Sacramento fast. 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
Creative Solutions Available
We can explore creative solutions, including short sales or buying subject-to the existing mortgage. Our goal is to help you find a way out, even in difficult equity situations.
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:
Local Buyer Advantages
What Happens If You Wait Too Long?
Don't Lose Your Options
Waiting can turn a manageable situation into a financial crisis. Once foreclosure begins, it's much harder to stop. You could lose the ability to sell before auction, thousands in equity, your credit score, and control of your timeline.
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.
Take the First Step Today
Being behind on your mortgage is stressful, but you're not stuck. Selling your house for cash in Sacramento could be your fresh start. Fill out our short form to get started—you'll have a fair all-cash offer within 24 hours.
Part of Our Complete Guide
Avoiding Foreclosure in California: All Your Options ExplainedRead the full guide for more in-depth information on this topic.
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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