Avoid Foreclosure
Time is critical. We can close before your auction date and stop the foreclosure process.
If you've received a Notice of Default, you need to act NOW. Every day you wait reduces your options.
Foreclosure doesn't just mean losing your home. It destroys your credit score for years, making it harder to rent, buy a car, or get a new mortgage. We help homeowners across Sonoma, Napa, and Solano counties stop foreclosure by purchasing their homes for cash before the bank takes them.
How We Help You Avoid Foreclosure
- Call us immediately: The sooner you reach out, the more options you have
- We analyze your situation: We'll review your timeline and present solutions
- Fast cash offer: We make a fair offer within 24 hours
- Close before the auction: We can close in as few as 14 days
- Walk away with cash: You pay off the mortgage and keep the remaining equity
Why Selling to Us Beats Foreclosure
- Protect your credit: A sale doesn't have the same impact as foreclosure
- Keep your equity: Banks sell at auction for less than market value
- Avoid deficiency judgments: Don't owe the bank after losing your home
- Move on your terms: Choose when to leave, not when the sheriff tells you to
Hablamos Español
Sabemos que enfrentar una ejecución hipotecaria es estresante, especialmente cuando hay barreras de idioma. Ofrecemos servicio completo en español para asegurarnos de que entienda todas sus opciones.
Stop Foreclosure Now
Don't wait. Call (707) 729-1519 or fill out this form.
Common Questions About Foreclosure
How does foreclosure work in California?
California is a non-judicial foreclosure state under Civil Code §2924. After missing roughly 3 months of payments, your lender records a Notice of Default — that triggers a 90-day reinstatement period, followed by a Notice of Sale with at least 21 days notice before the trustee's auction. Minimum total: ~111 days. In Sonoma, Napa, and Solano County the practical timeline is often 6-9+ months.
Can I sell my house if I've already received a Notice of Default?
Yes. You retain full ownership and the right to sell up until the moment of the trustee's sale. We can close in as few as 14 days, pay off your lender at close, and you walk away with whatever equity remains.
How does a pre-foreclosure sale affect my credit compared to letting the foreclosure complete?
A completed foreclosure stays on your credit for 7 years and typically drops your FICO score 100-160 points. A pre-foreclosure cash sale is reported as a normal sale — credit recovery in 6-18 months versus 7+ years.
What if I owe more than the house is worth?
We can coordinate a short sale with your lender's loss mitigation department. California's anti-deficiency statutes (CCP §580b for purchase-money loans, §580d for trustee sales) typically protect homeowners on their primary residence purchase loan. HELOCs and cash-out refinances may not be protected — confirm with a real estate attorney.
Are there any costs to me when selling to avoid foreclosure?
No. We pay all closing costs, including back-due property taxes, HOA arrears, and the lender payoff. No agent commissions, no inspection fees, no repairs required. If there's no equity (short sale), the lender absorbs the loss — you pay nothing out of pocket.
For a complete walkthrough of California foreclosure law, anti-deficiency rules, and the 5 options at each stage, see our step-by-step guide to selling a house in foreclosure in California.
Take the First Step
Ready to Sell Your House?
Get your free, no-obligation cash offer today. We can close in as few as 14 days.