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What Happens When You Miss Mortgage Payments
In California, lenders can begin the foreclosure process after as few as 90 days of missed payments. That process typically unfolds in stages:
California Foreclosure Timeline
Notice of Default (NOD)
Lender formally notifies you that you're behind on payments. You have 90 days to catch up or work out a deal.
Reinstatement Period
A window to catch up on missed payments, fees, and penalties to stop the foreclosure process.
Notice of Trustee Sale (NOTS)
If you haven't resolved the default, the lender schedules your home for auction—typically 21+ days out.
Auction
Your property is sold to the highest bidder. You lose all control and ownership.
Can I Still Sell My House During Foreclosure?
Yes. Up until the home is sold at auction, you still own it—and you can sell it.
In fact, selling fast to a cash buyer is one of the most effective ways to avoid foreclosure in California. When you sell, the mortgage is paid off from the sale proceeds, stopping the foreclosure process completely.
Traditional Sale vs. Cash Sale in Pre-Foreclosure
Traditional Sale
60-90 Days
- •Requires repairs and staging
- •Agent commissions (5-6%)
- •Buyer financing can fall through
- •May not close in time
- •Risk of foreclosure during sale
Cash Sale
7-14 Days
- •Sell as-is, no repairs
- •Zero fees or commissions
- •Guaranteed funds, no financing
- •Closes before auction date
- •Stops foreclosure completely
How Fast Can I Sell Before Foreclosure Happens?
With Fast Home Buyer California, many sales close in 7 to 14 days. That's fast enough to stop foreclosure, pay off the lender, and give you a fresh start.
Our Fast Cash Sale Process
Tell Us About Your Property
Fill out our simple form with your property details. Takes less than 2 minutes.
Get a Cash Offer Fast
We review your situation and send a fair, no-obligation offer within 24-48 hours.
Choose Your Closing Date
You pick the timeline that works for you. We can close in as little as 7 days.
We Handle Everything
We coordinate with the title company and your lender. You just show up and get paid.
Selling Fast Beats a Foreclosure Auction
Once your house hits the auction block, you lose all control. The lender takes over, your credit takes a major hit, and you walk away with nothing. But selling fast lets you:
- Avoid a foreclosure mark on your credit report
- Stay in control of your move and timeline
- Protect your equity (if any)
- Choose your own closing date
- Walk away with cash and peace of mind
Will I Still Owe Money If I Sell My House?
If your home sells for more than what you owe, you get to keep the difference. That's equity in your pocket.
If your mortgage is higher than your home's value, a short sale might be required—but that's a process we can help navigate with your lender.
In most cases, a fast cash sale pays off the full loan amount, including late fees and penalties. We'll work with your lender to ensure everything is handled properly.
What If My Home Needs Work or Has a Tenant?
Frequently Asked Questions
- Can I sell my house if I'm already in pre-foreclosure?
Yes! You can sell your home at any point before the auction. The sooner you act, the more options you have. We specialize in fast closings that beat foreclosure deadlines.
- How fast can you actually close?
Most of our sales close in 7-14 days. If you have a specific deadline due to foreclosure, let us know and we'll work to meet it.
- What if I owe more than my house is worth?
We can still help. In some cases, we can negotiate a short sale with your lender or explore other creative solutions. Contact us for a free consultation.
- Will selling to a cash buyer hurt my credit?
No—selling to a cash buyer is simply a sale, just like any other. It doesn't appear as a foreclosure on your credit report and can actually help you avoid the major credit damage that foreclosure causes.
- Do you work with my lender?
Yes. We coordinate directly with your lender and the title company to ensure the mortgage is paid off properly and you walk away clean.
You Still Have Time to Take Control
If you're facing foreclosure in California, don't wait. Selling your house fast to Fast Home Buyer California may be the smartest financial decision you can make right now.
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 long do I have to sell before foreclosure auction in California?
California foreclosure takes about 4 months minimum: 90 days of missed payments, 3 months after Notice of Default, then 21 days after Notice of Sale. You can sell anytime before auction.
Can I sell my house if I'm already in foreclosure?
Yes, up until the foreclosure auction is completed. A cash sale can close in 7-14 days, often fast enough to stop foreclosure even in late stages.
What if I owe more than my house is worth?
You may need a short sale, where the lender accepts less than owed. This requires lender approval and takes longer. Alternatively, some sellers bring cash to closing to cover the difference.
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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