A Notice of Default starts a clock, but it doesn’t end your options. Homeowners across San Diego County sell before the trustee sale every month, pay off the loan through escrow, and walk away with their remaining equity — instead of losing the house and the equity at auction. Our vetted buyer network moves at foreclosure speed.
The process is built around your foreclosure timeline, not a traditional listing calendar.
Share the property address and where you are in the process — missed payments, Notice of Default, or a scheduled trustee sale date. Everything is confidential and there’s no judgment here.
Vetted local investors who regularly close lender-payoff escrows make competitive as-is cash offers. No repairs, no cleaning, no fees, no obligation to accept.
Escrow orders the payoff, settles the arrears and any liens from the proceeds at closing, and the foreclosure stops because the loan is paid. You collect whatever equity remains.
California foreclosures are usually nonjudicial and follow a defined sequence. After roughly 90 days from the recorded Notice of Default, the lender can record a Notice of Trustee Sale, which sets an auction date at least 21 days out. That means most homeowners have a window measured in weeks — enough time for a cash sale, but rarely enough for a traditional listing with financed buyers, inspections, and appraisal contingencies.
You have the right to sell the property any time before the trustee sale is held. When you sell, the loan — including the missed payments, late fees, and foreclosure costs — is paid off through escrow out of the sale proceeds. You don’t need to come out of pocket to bring the loan current first.
Speed and certainty are the whole game near an auction date. A financed buyer can fall out of escrow over an appraisal three days before your sale date; an experienced cash buyer doesn’t have a lender, and escrow can often close in 7–14 days. The buyers in our network have handled payoff demands, postponements, and short timelines before — this is normal work for them.
One honest note: a fast cash sale makes the most sense when there’s meaningful equity to protect. If you owe close to (or more than) the home’s value, ask us anyway — but also talk to your lender about relief options and consider a HUD-approved housing counselor, which is free. Our step-by-step foreclosure guide walks through every option and deadline in plain English.
Usually not. You can sell up until the trustee sale actually takes place. With a short window, escrow orders the payoff demand immediately and experienced cash buyers can often close in 7–14 days. The sooner you start, the more options you have — including asking the trustee about a postponement while escrow is open.
No. The arrears, late fees, and foreclosure costs are paid out of your sale proceeds through escrow at closing. You don’t bring money to the table — the payoff comes out of the price.
A standard sale needs the price to cover the loan payoff. If it can’t, the path involves your lender (a short sale or relief options), and you should get advice from your lender and a HUD-approved counselor. Reach out anyway — we’ll tell you honestly whether a cash sale works for your numbers.
A completed foreclosure is one of the most serious negative marks a credit report can carry, and it can affect future home loans for years. A sale that pays the loan off stops the foreclosure from completing. Everyone’s situation differs — for personalized advice, talk to a credit or housing counselor.
Tell us the address and a little about the property. You'll get competitive, no-obligation cash offers within 24 hours. Prefer to aim for top dollar? Ask about listing for a flat 1%.
Prefer email? Write to us at sandiegocashforhouses@gmail.com