Stop Foreclosure

If you have received a notice of default, or an auction date is on the calendar, the most valuable thing you have is time — and it is the thing that runs out quietly. The earlier you look at the options, the more of them are still open.

Options that exist

• Reinstatement — paying the arrears in full to bring the loan current.
• Forbearance or loan modification — your lender changes the terms. Worth asking for first.
• Refinance — possible if there is equity and your credit still supports it.
• Selling on the market — the best return, if you have the months and the house shows well.
• Selling as-is for cash — the fastest, and what we do. Less than market, but certain and quick.
• Short sale — if you owe more than it is worth, with lender approval.
• Deed in lieu — handing the house back, as a last resort.

We are not attorneys and this is not legal advice. For anything involving your specific loan or a court date, talk to a foreclosure attorney or a HUD-approved housing counsellor — that advice is free.

Where we fit

One homeowner contacted us only two weeks before her foreclosure auction. She had inherited the property, had not completed probate, and was overwhelmed by the foreclosure process.

We:

• Opened escrow quickly
• Worked directly with the lender
• Delayed the foreclosure auction
• Assisted with probate
• Resolved title issues
• Closed successfully before the foreclosure sale

Situations like these are why we exist — to help homeowners find practical solutions during difficult moments.

If an auction date is close, call (510) 473-5885 rather than filling in a form — we can move faster on the phone.