Facing Foreclosure?
You Have Options.
If you're behind on your mortgage or have received a foreclosure notice, a fast cash sale may be able to stop the process before it goes further. We buy houses in Spokane and Kootenai County and can close quickly when timing matters.
Takes about 60 seconds — no obligation
How It Works
How a Cash Sale Can Help
When you sell your house for cash before the foreclosure completes, the proceeds go toward paying off your mortgage. In many cases, this lets you walk away clean — no foreclosure on your record, no deficiency judgment, and whatever equity is left goes to you.
The key is timing. The earlier you reach out, the more options you have. Even if you're not sure where things stand, a quick phone call can help you understand what's realistic.
Timeline
Where Are You in the Process?
Behind on payments, no notice yet
You have the most options here. This is the best time to explore a sale if you don't see a way to catch up.
Received a Notice of Default
The clock is running, but you typically still have time to sell. The sooner you act, the more flexibility you have.
Auction date is set
It may still be possible to sell before the auction, but timing is tight. Call us immediately so we can evaluate whether a fast close is realistic.
Before You Call
What to Have Ready When You Call
You don't need everything figured out. But if you have any of this, it helps:
- Property address
- Rough idea of what you owe on the mortgage
- Any notices you've received from the lender
- Whether the house is occupied
If you don't have all of this, that's okay. We can work with what you know.
Common Questions
Straight Answers About Foreclosure
Can I sell my house if I'm behind on the mortgage?
Yes. As long as you still own the property, you can sell it. The mortgage gets paid off from the sale proceeds at closing. If there's equity left over, it goes to you.
What if I owe more than the house is worth?
That's called being "underwater." In some cases, a short sale may be an option — where the lender agrees to accept less than what's owed. We can help you understand if that's a possibility. Either way, we'll give you an honest assessment.
Will selling stop the foreclosure?
If the sale closes before the foreclosure is finalized, yes. The mortgage gets paid off and the process stops. That's why timing matters — the earlier you start, the more room there is to close cleanly.
How fast can you close?
When everything is clear and ready, we can close in as little as two weeks. If there's an auction deadline, we'll tell you honestly whether the timeline is realistic.
Do I need to fix up the house?
No. We buy as-is. No repairs, no cleaning, no preparation. We handle all of that.
Will this hurt my credit?
A regular sale is much better for your credit than a completed foreclosure. If you're already behind, your credit has likely been affected, but avoiding a foreclosure on your record makes a real difference.
How do I know I can trust you?
Fair question. We're a local company based in Post Falls. We use a standard title company for closing, you have full visibility into the process, and you can have an attorney review everything. We don't ask for money upfront — ever.
Not Sure Where You Stand? Call Us.
We'll listen to your situation, tell you what's realistic, and give you a straight answer. No pressure, no obligation, no judgment.