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Foreclosure relief · Clock is ticking

Beating the foreclosure clock.

Behind on the mortgage doesn't have to mean losing the house at auction. A cash sale before the trustee date puts money in your hand, protects your credit, and shuts the door on a deficiency. Our fastest foreclosure close: 11 days from first call to wire.

  • Direct attorney/trustee coordination
  • Buy as-is, no repairs needed
  • Close on your timeline
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About the property
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25+
Years in California real estate
300+
California homes bought
★★★★★ 4.9
Google seller rating
BBB
A+ Accredited
7-21
Days from offer to wire

How foreclosure sales work with us.

Foreclosure isn't the only option when you're behind on the mortgage. A fast cash sale before the trustee auction lets you walk away with money, protect your credit, and avoid a deficiency. We've stopped foreclosures in as little as 11 days from offer to close.

California's non-judicial foreclosure timeline gives you about 90 days from Notice of Default to trustee sale. That's enough time to sell — but only if you act fast. Don't wait. Even one phone call gives you options.

Common foreclosure complications — solved.

We've worked through these scenarios many times before.

Sell before auction date

If your house is in pre-foreclosure or has an upcoming Notice of Default, we can often close before the trustee auction. We've stopped foreclosures in as little as 11 days.

Pay off the mortgage at close

The title company pays off your lender directly at closing. Whatever's left is yours — and it's often more than you think.

Avoid a deficiency judgment

California is mostly anti-deficiency for purchase loans on owner-occupied SFRs. A cash sale can resolve before the lender pursues other action.

Protect your credit

A completed cash sale ahead of foreclosure looks dramatically better on credit reports than a foreclosure or short sale. You can typically buy again much sooner.

Walk away with cash, not nothing

Many homeowners don't realize they have equity. Even a quick cash sale can put $10k-$100k+ in your pocket vs. $0 from foreclosure.

Short sale alternative

If you're underwater, we can sometimes structure a short sale — we negotiate with your lender and they accept less than what's owed.

Selling during foreclosure — step by step

Same straightforward 3-step process, adapted to your situation.

1

Send us the basics

Type in the address and a few quick details. One minute, no signup, nothing to install — we read every submission ourselves.

2

See a real cash number

We walk the property (or do a virtual tour), run the math, and bring you a written offer inside 24 hours. The number you see is the number we pay.

3

Pick the closing date

Close in a week, a month, or after the holidays — your call. We cover every fee at the table.

Cash offer vs. the agent route

Same house, two paths. Here's the real math.

Golden State Cash Offers
Listing with an agent
Time to sell
7-21 days
60-90 days avg
Showings
None
Weeks of showings
Repairs
None — sell as-is
$5k-$30k typical
Cleaning
Leave anything
Deep clean before showings
Commissions
$0
5-6% of sale
Closing costs
We pay
1-3% you pay
Inspection re-negotiation
Never
Common
Financing fall-through risk
Zero (cash)
~13% of deals fall apart
Certainty of close
100% guaranteed
Uncertain

Foreclosure sales sellers ask us this most.

Anything missing? Pick up the phone — we answer ourselves.

How much time do I have before auction? +
California non-judicial foreclosure timeline: 90+ days from Notice of Default before trustee sale. We can typically close in 7-21 days, so even with a NOD filed, you have time. Call us today.
Will selling stop foreclosure? +
Yes — if we close before the trustee sale, your loan is paid off and the foreclosure is canceled. Speed matters: don't wait until days before the auction.
How much does foreclosure damage my credit vs. selling? +
Foreclosure: 100-160 point drop, stays on your credit 7 years. Cash sale: minimal credit impact (only the late payments). You can re-qualify for a mortgage 1-2 years sooner.
What if I'm already in default? +
We've worked with sellers who are 30, 60, even 120 days behind. As long as we close before the trustee sale, your default is resolved at closing.
Can you help with HUD or VA loans? +
Yes. We've handled FHA, VA, USDA, and conventional loans through default and foreclosure proceedings.

Ready to see your number?

Share the address and a couple of details. We'll review the property and call you within 24 hours with a real, written cash offer. Zero pressure, zero obligation.

Open Mon–Sun, 8am–8pm PT · Free, no strings