Stop Foreclosure Before It's Too Late.

What Happens When Foreclosure Starts

You missed a few mortgage payments. Maybe you lost your job. Or medical bills piled up. Or your income dropped.

Now you're getting letters from your lender. Phone calls. Emails. They're talking about foreclosure. Your stomach drops every time you check the mail.

Here's what most people don't know. Foreclosure doesn't happen overnight. But once it starts, it moves fast. And it destroys your credit for years.

The Foreclosure Timeline

Let me break down what happens:

• Missed payments: After 30 days, you're late. After 60 days, you're in default. The clock starts ticking.
• Notice of default: Your lender files paperwork. This goes on your credit report. Your score drops 100 to 200 points.
• Pre-foreclosure period: You have 90 to 120 days to catch up or sell. This is your window.
• Foreclosure auction: If you don't act, your house goes to auction. The bank takes it. You lose everything.
• After foreclosure: Your credit is wrecked. You can't buy another house for 7 years. You might still owe money if the sale doesn't cover your loan.

The whole process takes 4 to 6 months in most states. That's not much time. But it's enough if you act fast.

Why Loan Modifications Usually Fail

You've probably seen ads. Companies promising to "save your home" with loan modifications. They charge fees upfront. Sometimes thousands of dollars.

Here's the truth. Most loan modifications don't work. Your lender might lower your payment for a few months. But then it goes back up. Or they deny your application entirely.

Meanwhile, you've paid fees to the modification company. You've wasted time. And foreclosure keeps moving forward.

I've seen it happen dozens of times. Homeowners spend money on modifications that fail. Then they call me when foreclosure is days away. By then, options are limited.

A Faster Solution: Sell Your House

Here's what I do differently. I buy your house fast. Usually in 7 to 14 days. We close before foreclosure happens.

Here's how it works:

1. You call me. Tell me about your situation. How many payments you've missed. What your house is worth.
2. I make an offer. It's based on your home's current value. I factor in that you need to close fast.
3. We close quickly. I handle all the paperwork. You get cash. Your lender gets paid. Foreclosure stops.
4. You move forward. Your credit takes a smaller hit than foreclosure. You have cash to start fresh.

No fees. No commissions. No waiting months for approvals. Just a fast sale that stops foreclosure in its tracks.

What You Save by Selling Now

Let's talk about what foreclosure costs you:

• Credit damage: Foreclosure stays on your credit for 7 years. A short sale or cash sale? Much less damage.
• Deficiency judgment: If your house sells for less than you owe, the bank can come after you for the difference. Selling to me avoids this.
• Legal fees: Foreclosure involves lawyers. Court costs. Filing fees. You pay for all of it.
• Time: Foreclosure drags on for months. You're stuck in limbo, unable to move forward.

Selling to me? You avoid all of that. You get cash. You move on. You protect your future.