Sell Your House Before Foreclosure

If you're behind on payments or have a foreclosure sale date, selling the house may let you pay off the loan before the sale. We buy houses as-is in 13 states. Requesting an offer does not pause a foreclosure, so share any sale date with us right away.

Request a cash offer

How selling before foreclosure works

The sale has to close before the foreclosure sale date, and the loan payoff, liens and title requirements have to be met at closing. The lender's payoff, including arrears and fees, is paid from the sale proceeds. If the house is worth less than you owe, the lender may need to approve a short sale.

What to tell us

Share the address, roughly what you owe, any notice or sale date you've received, the lender's name and the condition of the house. Photos help. The sooner we know the timeline, the sooner we can tell you whether a closing can fit before the sale.

Foreclosure works differently in each state

Some states foreclose through the courts, which can take a year or more. Others use a trustee or power-of-sale process that can move in a few months. That timeline decides how much room you have to sell. Pick your state below for the local process.

Related situations

If you are not yet in foreclosure, see behind on mortgage payments, can’t afford the mortgage, owing more than the house is worth or having us take over the payments.

How the sale works

We review photos and property details before making the final offer. During an inspection period of about 10 business days, a general contractor or another team member visits to estimate repairs. We usually close 2–3 weeks after that inspection period, subject to title and contract requirements, and can go up to 60 days if you need more time. The price, closing-cost allocation and expiration date are in the written agreement. Mortgage payoffs, liens and other amounts due can reduce what you receive at closing.

Frequently asked questions

Does requesting an offer stop the foreclosure?

No. An offer or a signed contract does not stop a foreclosure by itself. Keep talking with your lender and confirm your deadlines with your attorney or a HUD-approved housing counselor.

What if I owe more than the house is worth?

Then the sale price may not cover the payoff, and your lender may need to approve a short sale. Tell us roughly what you owe so we can look at it before you spend time on an offer.

Can you buy a house that already has a sale date?

Sometimes. It depends on how much time is left and whether the payoff and title requirements can be met before that date. Share the date with us right away.

Get Your Cash Offer Today

Request an as-is purchase evaluation without completing repairs first. Tell us about the property and your preferred timing so we can discuss whether a direct sale fits your situation.

Complete the quiz to request a no-obligation property evaluation.

We Buy Houses Facing Foreclosure Across 13 States

Pallas Growth buys houses facing foreclosure in every market we serve. Pick your state below to see local courthouse, county-level, and ZIP-specific details.