Yes, You Can Still Sell
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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.
Time Is Running Out
Each step adds stress and costs. The longer you wait, the fewer options remain. But if you act early, you can still sell your home on your terms.
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. 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.
Beat the Clock
We've worked with many sellers to beat the foreclosure deadline. If you're already in pre-foreclosure, we can work directly with your lender to ensure a smooth payoff and release.
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
Foreclosure Impact
Fresh Start
A foreclosure can stay on your credit report for 7 years and drop your score by 100-150 points. Selling fast avoids that damage and gives you a fresh start to rebuild.
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?
We Buy Any Condition
We buy homes in any condition—even if it's outdated, damaged, or occupied. You don't need to fix anything or evict tenants. Facing foreclosure is hard enough. We make selling the easy part.
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.
Get Your Free Cash Offer Today
We understand this is a stressful time. That's why our process is clear, fair, and pressure-free. Fill out the form to get a no-obligation cash offer within 24-48 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.
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