Before the auction date
Once you receive a trustee's sale date, the clock is set. If you reach out early, we have more time to see whether a sale can close and pay off the loan before that date.
Help with a foreclosure deadline in the Bay Area
Facing Foreclosure in the Bay Area? Let's Look at Your Options.
Falling behind on your mortgage is stressful, and the letters and deadlines can make it harder. We can review your timeline with you. If you have equity, a sale before the auction may pay off the loan and leave funds after other claims are paid. Tell us the date you are working with, and we'll tell you whether a cash sale appears workable.
What a cash sale may do before the foreclosure auction
If your lender has started a California foreclosure, the process may end at a trustee's sale on a scheduled date. Your lender must receive the amount owed to release the loan. If your home is worth more than your payoff, selling before the auction may let a title company pay the loan in full before the scheduled sale date.
We use our own funds, so your sale does not wait on a buyer's loan approval, appraisal, or lender financing. If your equity and deadline leave enough time to close, a local title company can pay your lender from the sale proceeds and send the remaining funds to you.
You may have other options, and selling may not fit your situation. We can review your deadline and equity with you, then explain whether a cash sale appears workable. We will not pressure you to choose it.
Why speed matters
The earlier you act, the more options you have
Your options can narrow as the auction date gets closer. Reaching out earlier gives you more time to understand them and choose what fits your situation.
Protect your equity
Selling before the auction may give you more control over the sale price and may leave funds after the loan and other claims are paid.
No financing to fall through
A buyer with a mortgage can take 30 to 60 days and still fall out of escrow. We use our own funds, so there is no loan that can collapse at the last minute.
Close on a real timeline
When it makes sense for your situation, we can close in as few as 7 days when title permits. If you need more time to plan your move, we work around your preferred date.
Behind on payments and not sure where to start? Call or text (408) 314-4420 and we will walk through your options with you, no pressure.
What to expect
We ask for a few details, then review your options
We keep the process focused on your deadline, your loan payoff, and the closing date you need.
Tell us the basics
Share the address, roughly how far behind you are, and any auction or sale date you have received. If you do not know the exact numbers, we can help you find them.
Get your cash offer
We review recent local sales and your home's condition, then send a fair, written cash offer, usually within 24 hours, with no obligation to accept.
Pay off and close
A local title company orders the payoff, pays your lender at closing, and sends any remaining funds to you. Tell us your preferred closing date, and we'll confirm whether the timeline permits it.
We buy as-is, so there is nothing to repair or clean. Want the full walkthrough? See how selling your house fast works, or read about selling your house as-is.
Important information
We buy houses. We are not your legal or financial advisor.
We want you to make a clear-eyed decision. Please read these limits before you decide.
NextKey Home Offer is a local cash home buyer. We are not a law firm, a lender, a credit counselor, or a tax advisor, and nothing on this page is legal, financial, or tax advice. We cannot and do not guarantee that a sale will stop a foreclosure in your particular situation. Outcomes depend on your loan balance, your equity, your timeline, and steps that are up to your lender and the law.
Before you decide anything, please talk to your lender or loan servicer about your account, and consider speaking with a qualified attorney or a HUD-approved housing counselor about your rights and the other options available to you. Selling is one path among several. Depending on your circumstances, a loan modification, a repayment or forbearance plan, refinancing, a short sale, or other relief may fit you better.
If, after looking at all of that, a fast cash sale is the right move for you, we are here and we will be straightforward about whether it makes sense for your situation.
From our Google reviews
See how we handled other time-sensitive sales
"NextKey Home Offer came through for us last minute when another investor fell through. Thank you for saving us."
Robert Wildman"Edward spent over 2 hours with us in San Jose going over our concerns and never made us feel pressured."
Julie Midkiff Choose what would help next
Have questions before you call us?
Start with the question closest to yours. You can read at your own pace and contact us when you want to talk.
Talk through your timeline
Tell us the deadline you are working with
Share the property address and any auction or sale date you have received. We'll review the details with you and tell you whether a cash sale appears workable. If it does, we'll send a written offer, usually within 24 hours, with no fee or obligation.
Written offer in about 24 hrs No fees or commissions Sell as-is Your preferred closing date
Prefer to talk? Call or text (408) 314-4420.
You're all set.
We'll confirm a few details and let you know whether we can make an offer. To move faster, call or text (408) 314-4420.