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    Financial distress & debt

    Sell your house before the foreclosure auction

    If a notice of default or a sale date is already on the calendar, a fast cash sale can pay off the lender at closing — and you keep whatever equity is left.

    • No repairs
    • No fees or commission
    • Close in as little as 7 days
    • No obligation

    Quick answer

    SilverCrest Estates buys houses for cash from homeowners facing foreclosure, closing in as little as 7 days so the mortgage is paid off before the auction date and any remaining equity goes to the seller instead of the lender.

    Is this you?

    This page is for you if…

    • You've received a notice of default or a notice of sale
    • An auction date is set and you can't catch up
    • The lender has refused or stalled a modification
    • You want to keep your equity and avoid a foreclosure on your record

    The clock is the lender's

    Every week adds late fees, legal fees and interest to what you owe.

    Auctions rarely pay full value

    Equity can disappear when a house sells on the courthouse steps.

    Credit damage lingers

    A completed foreclosure stays on a credit report for years.

    Compare your options

    SilverCrest vs. the alternatives

    An honest side-by-side. Timelines are typical ranges and vary by state, lender and market.

    SilverCrestLet it go to auctionList with an agent
    Time to closeAs little as 7 daysSet by the lenderOften 60–120 days incl. escrow
    Who keeps leftover equityYou, at closingOften lost to fees & biddingYou, if it sells in time
    Repairs or showingsNoneNoneUsually required
    Risk the deal falls throughLow — cash, no lenderN/ABuyer financing can collapse
    Foreclosure on your recordAvoided if we close firstYesAvoided only if it closes in time
    How we help

    Four steps, start to finish

    1. 1

      Tell us your sale date

      We work backward from your auction or deadline, not our convenience.

    2. 2

      Get a written cash offer

      Usually within 24 hours. We ask for a payoff statement to confirm the numbers.

    3. 3

      Title pays the lender

      Our title partner orders the payoff and sends it straight to your lender at closing.

    4. 4

      You keep the rest

      Remaining equity is wired to you. The foreclosure is cancelled once the loan is paid.

    How foreclosure timelines usually work

    Foreclosure is set by state law and by your loan documents. Some states use a court process (judicial foreclosure) that can run many months; others allow a faster trustee sale outside of court. In most cases federal servicing rules prevent a lender from starting the first legal filing until a borrower is more than 120 days behind.

    Because the exact deadlines differ, the single most useful document you have is the most recent notice from your lender or trustee. It names the date that matters. Share it with us and we'll tell you honestly whether a sale can close before then.

    Selling vs. other ways to stop foreclosure

    Selling isn't the only option. Reinstatement (paying the past-due amount), a loan modification, a repayment plan, a short sale or a bankruptcy filing can all pause or end a foreclosure. A HUD-approved housing counselor can walk you through them for free, and a local attorney can explain your state's rights of redemption.

    A cash sale makes the most sense when you have equity in the home, don't want to keep it, and need certainty about the date. If the loan balance is higher than the home's value, ask us about a short sale — the lender would need to approve it.

    What we need from you

    A copy of the latest lender notice, a recent mortgage statement, and permission for title to request an official payoff. That's it. Closing runs through a licensed title company or closing attorney, which pays off liens and mortgages from the sale proceeds before you're paid.

    This page is general information, not legal, tax or financial advice. Laws and timelines differ by state. Talk to a licensed attorney, CPA or HUD-approved housing counselor about your specific situation.

    Questions

    What sellers ask us

    Usually yes. Until the foreclosure sale is completed you generally still own the home and can sell it. The sale must close and pay the lender before the auction date.

    We can close in as little as 7 days when title is clear. If your auction is sooner than that, call us immediately — sometimes a signed contract helps when asking the lender for a short postponement, though the lender decides.

    Missed payments already reported stay on your report, but paying the loan off in full before the sale means there's no completed foreclosure on your record.

    Then a regular cash sale can't pay the lender in full. A short sale, where the lender agrees to accept less, may be possible. We'll tell you plainly if that's your situation.

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    Whatever's going on, there's a way out

    Enter your address. A real cash offer from SilverCrest — no fees, no repairs, no obligation.