⚠ Foreclosure is time-sensitive — every day matters. Call now: (408) 767-3002
Home How It Works About Us Reviews FAQ Get Cash Offer (408) 767-3002
⚠ Pre-Foreclosure · Time Critical · Bay Area

Facing Foreclosure on Your
San Jose Home? We Can Stop It.

Selling before the auction protects your credit, preserves your equity, and gives you a clean exit. We move fast — cash offer in 24 hours, close in as little as 7 days.

🔑 Close in 7 days
💰 Cash offer in 24 hrs
🛡 Protect your equity
📋 No fees or commissions
Get Help Now — Free Consultation → Call (408) 767-3002 Immediately
24hr
Cash offer turnaround
7 days
Fastest close possible
$0
Fees or commissions
200+
Bay Area homes purchased
California foreclosure timeline

Where Are You in the
Foreclosure Process?

California uses a non-judicial foreclosure process. Understanding where you are in the timeline determines how many options you still have — and how fast you need to act.

1
Missed payments — Pre-default
You are behind on mortgage payments but a Notice of Default has not yet been filed. This is the easiest time to act. You have the most options and the most time.
Most options available — act now
2
Notice of Default (NOD) filed
Your lender has officially recorded a Notice of Default with the county. You now have a minimum of 90 days before a Notice of Trustee Sale can be issued. This is a critical window — use it.
90+ days remaining — act urgently
3
Notice of Trustee Sale (NTS) issued
The auction date has been set. You have a minimum of 21 days before the sale. A fast cash buyer can still close before the auction date — but speed is everything at this stage. Call us immediately.
21+ days — call us right now
4
Trustee sale completed
The home has been sold at auction. Once this happens, your options are gone. Any equity above your debt is lost. This is why acting before stage 4 is so important.
Options gone — why we urge you to act early
Know your options

Facing Foreclosure in San Jose —
Your Options Compared

Every situation is different. Here is an honest comparison of the main paths available to Bay Area homeowners facing foreclosure.

✓ Recommended
Sell to a cash buyer
  • Close in 7 days — before the auction
  • Preserve any remaining equity
  • No repairs, no commissions, no fees
  • Clean title transfer through escrow
  • Limits credit damage vs. completed foreclosure
  • Works even after NOD and NTS stages
Loan Modification
Negotiate with your lender
  • Keeps you in the home if approved
  • Process takes 30–90+ days with no guarantee
  • Lender can still proceed with foreclosure during review
  • Requires income documentation and approval
  • Not available if too far behind on payments
Short Sale
List below what you owe
  • Can avoid foreclosure if approved by lender
  • Takes 60–120+ days — often too slow
  • Requires lender approval for the price
  • Agent commissions still apply
  • Deficiency judgment risk on unpaid balance
Avoid this
Do nothing — let it foreclose
  • All equity is lost at auction
  • Severe credit damage — 7 years on record
  • Deficiency judgment possible in some cases
  • Eviction process after trustee sale
  • Eliminates all future options
Our process — built for speed

How We Stop Foreclosure
in 3 Fast Steps

We have helped Bay Area homeowners in San Jose, Oakland, Fremont, and Gilroy close before their auction date. Here is exactly how it works.

01

Call or fill out the form — tell us your timeline immediately

The first thing we need to know is your foreclosure stage and auction date if one has been set. Call us directly at (408) 767-3002 — a real local Bay Area buyer picks up. We do not send you to a call center. We assess your timeline in minutes.

02

Receive a written cash offer within 24 hours

We review your property and deliver a fair, written cash offer based on current Bay Area market data — not a lowball number designed to take advantage of your situation. We explain exactly how we calculated it. No pressure to accept.

03

Close before the auction — cash wired through escrow

We coordinate directly with the escrow company to prioritize your close date. In urgent pre-foreclosure situations we push for the fastest possible closing — 7 days in many cases. Your cash is wired to your account at closing through a licensed California escrow. You walk away with money, not a foreclosure on your record.

✓
We move faster than any listing
✓
Licensed California escrow — always
✓
Local Bay Area team — real people
✓
A+ BBB Rating
✓
Your info never shared

Get Help Now —
Free Consultation

Tell us your situation — we respond within hours, not days

⚠ If you have an auction date set, tell us immediately — time is the most important factor.

🔒 100% private — your info is never shared with agents or third parties

Your questions answered

Foreclosure Questions
Answered Honestly

Yes — absolutely. A Notice of Default simply starts the clock. It does not mean you have lost the home. Once an NOD is filed in Santa Clara County, Alameda County, or San Benito County, you typically have 90+ days before a Notice of Trustee Sale can be issued. That is a significant window to sell, protect your equity, and walk away with cash instead of a completed foreclosure on your record.
If you owe more than the home's current value, a standard sale may require lender approval — this is called a short sale. We can walk you through whether a short sale is feasible in your situation. If you have equity above what you owe, that equity is yours at closing through the escrow process after your mortgage and any arrears are paid off. Most Bay Area homeowners who have owned for several years do have equity — even after falling behind.
A completed foreclosure typically stays on your credit report for 7 years and can drop your score by 100–160 points or more depending on your starting score. Selling the home — even as a short sale — is generally less damaging than a completed foreclosure and shows lenders you took proactive steps to resolve the debt. We strongly recommend speaking with a HUD-approved housing counselor for personalized advice specific to your credit situation.
In many cases, yes — especially if there is at least 2–3 weeks before the auction date. A cash sale can close in as little as 7 days. The key is contacting us immediately once you know an auction date has been set. The earlier we start the process, the more time the escrow company has to coordinate everything properly. Do not wait — call us now at (408) 767-3002.
Yes. We actively buy pre-foreclosure properties throughout Santa Clara County (San Jose, Gilroy, Morgan Hill, Santa Clara, Sunnyvale, Milpitas, Campbell), Alameda County (Oakland, Fremont, Hayward, San Leandro, Union City, Newark, Dublin, Pleasanton), and San Benito County (Hollister, San Juan Bautista). Call us regardless of which city your property is in.

Do Not Wait — Every Day
Costs You Options

The earlier you call, the more choices you have. We have helped Bay Area homeowners in San Jose, Oakland, Gilroy, and Fremont stop foreclosure and walk away with cash. Let us help you.

Get Help Now — Free → Call (408) 767-3002