Facing Foreclosure? Sell Your House Before the Auction
If you've received a Notice of Default or you're falling behind on your mortgage, you still have time and options. We buy homes for cash before the trustee's sale — so you can settle the loan, protect the equity you've built, and avoid a foreclosure on your record.
What You're Dealing With
You're not the first person to face this, and you won't be the last. Here's what usually makes it hard — and why a cash sale changes the equation.
The clock is already running
Once a Notice of Default is filed, California's timeline moves fast — a reinstatement window, then a Notice of Trustee's Sale, then auction. Waiting rarely makes it easier.
A listing takes too long
A traditional sale can take 30 to 60 days to close, if it closes at all. When the auction date is weeks away, that gamble is one most homeowners can’t afford.
You could lose your equity
If the home goes to auction, any equity you’ve built can be wiped out by fees and a below-market sale price. Selling first is how you keep what’s yours.
How Father & Son Helps With a pre-foreclosure sale
The single most important thing to know about foreclosure is that selling before the trustee's sale almost always beats letting it happen. A foreclosure can stay on your credit for seven years and often wipes out the equity you've spent years building. A cash sale ahead of the auction settles the loan, puts the remaining equity in your pocket, and keeps a foreclosure off your record entirely.
Because we buy with our own funds, we can move on your timeline instead of a lender's. There's no appraisal, no financing contingency, and no 45-day mortgage approval that might collapse in the final week — the exact failure that sinks so many pre-foreclosure listings. We present a fair, no-obligation offer within 24 hours and can close in as little as 14 days, which is often enough to beat a sale date that felt impossible.
We'll also coordinate directly with your lender or their trustee to get an accurate payoff figure and make sure the numbers work before you commit to anything. If you have more than one loan, back taxes, or liens against the property, we're used to sorting that out at closing so you don't have to chase it down yourself.
You never make a repair, clear out the house, or pay a commission. We buy the home exactly as it sits, cover the closing costs, and if you qualify, we can even advance you cash before closing to cover a deposit on your next place or the cost of the move. The goal is simple: get you out from under the mortgage with your dignity and as much of your equity as possible intact.
Need cash before your home closes?
It's something most cash buyers won't do: once we're under contract on your property, eligible sellers can receive a cash advance to cover moving costs, deposits, storage, or urgent bills — before the sale is even final. We put every term in writing first, so there are no surprises.
See if I QualifyMoney in hand when you need it
Life doesn't pause for closing day. A cash advance helps you handle what's urgent while we work toward the finish line.
Foreclosure: Common Questions
Straight answers for homeowners weighing a cash sale.
Can I still sell my house after a Notice of Default?
Yes. You can sell right up until the trustee's sale takes place. In fact, selling during the reinstatement or pre-sale window is one of the best ways to protect your equity and avoid a foreclosure on your credit. The sooner you act, the more room we have to close before the auction date.
Will selling to you stop the foreclosure?
Selling the home pays off the defaulted loan, which resolves the foreclosure. Once we close and the mortgage is paid in full, the lender has nothing left to foreclose on. We coordinate the payoff directly with your lender so the timing lines up before your sale date.
What if I owe more than the house is worth?
Even then you may have options, including a short sale where the lender agrees to accept less than the full balance. We've worked through underwater situations before and can talk you through whether a short sale or a standard cash sale makes more sense for your numbers.
How fast can you close before my auction date?
We can present an offer within 24 hours and close in as little as 14 days. If your sale date is close, tell us up front and we’ll tell you honestly whether we can beat it — we won’t string you along when the timeline is too tight.
Facing Foreclosure in California? Here Are Your Options
If you've fallen behind on mortgage payments, you have more options than you might realize. Here's a clear breakdown of what California homeowners can do before foreclosure becomes final.
Read the full guideReady to Get Your Cash Offer?
No obligation, no pressure. Just a fair, transparent offer from a local family you can trust.
