If the letters and the calls have started, take a breath. Acting early gives you real choices, and many of them don't end with losing your home. Below are your options, laid out plainly, including the ones that have nothing to do with selling to us.
Foreclosure is a process, not a single moment. At every stage there is usually something that can be done, and even a scheduled sale date is not always the end of the road. The earlier you understand where you stand, the more doors stay open.
This is the easiest point to recover from. Catching up, or a simple repayment plan, can often put it behind you for good.
You've received a notice of intent, or your loan has been referred. This is still a window, not an ending. Most of the options below are very much on the table.
Even here, options remain. A reinstatement, a fast sale, or other relief can sometimes stop a sale right up until it happens. Tell us the date first.
If keeping the home isn't realistic, selling before the foreclosure completes can protect the two things that matter most: your credit and whatever equity you've built. Because we buy directly, with cash and no financing to fall through, we can sometimes close before a scheduled sale date, fast enough to stop the process.
But we'll only suggest it if it's genuinely your best move. If a repayment plan, a loan modification, or simply staying put serves you better, we'll tell you that, even though it means we don't buy your house. Your way forward matters more to us than our next deal.
Selling isn't always the right answer, and we'd rather point you to people who can help than pretend we're your only option. These are free, trusted Maryland resources.
Free, HUD-approved housing counseling and foreclosure help from the State of Maryland. The HOPE hotline connects you with a local counselor at no cost: 877-462-7555.
dhcd.maryland.gov Free legal helpFree civil legal services for Marylanders who qualify, including a project dedicated to homeowners facing foreclosure. Intake line: 888-465-2468.
mdlab.org
Every option in this page, and a few more, explained in plain terms: what each one means for your credit and your timeline, and how to act before it's too late. Written for homeowners, not lawyers, and free whether or not you ever sell to us.
If a sale turns out to be your best move, the path forward is calm and clear. And when a sale date is near, we move fast to beat it.
Call, text, or fill out the form, and tell us where things stand, including any sale date. No pressure, no commitment.
We research the property and your situation, run the numbers, and tell you honestly whether selling even makes sense for you.
If it does, a written, no-obligation cash offer, with the math explained, usually within 24 hours.
We handle the paperwork and the closing costs, and when a sale date is near, we move quickly to close before it.
Yes, in many cases. If you sell and pay off the loan before the foreclosure sale is finalized, the process stops. Because we pay cash with no financing contingency, we can often close quickly enough to do exactly that. The key is to start early and tell us the sale date up front.
Rarely, until the sale actually happens. Options narrow as the date gets closer, but reinstatement, a fast sale, or other relief can sometimes stop a foreclosure right up to the day of the auction. The sooner you act, the more choices you have, so it's always worth a conversation.
A completed foreclosure does serious, lasting damage to your credit. Most of the options on this page, including selling before the sale or a short sale, cause far less harm. Avoiding the foreclosure itself is one of the biggest reasons to act early.
No. There is never a fee to talk with us, get an offer, or download the guide. If you do sell to us, we cover the closing costs and there are no commissions. Be cautious of anyone who asks for money upfront to stop your foreclosure, that's a common scam.
Tell us right away. A scheduled sale date doesn't automatically mean it's over. Depending on timing, we can sometimes close before the date or help you understand other last-minute options. The most important thing is to reach out now, not later.
You don't have to have it all figured out. Reach out and we'll talk through where you stand and what your options really are, from a real local family, not a call center. Whether or not you ever sell to us.
We'll respond personally, usually within 24 hours.