The All-in-One Solution for California Homeowners
Receiving a Notice of Default is stressful, and the clock is ticking. If you act before the bank completes the process, you still have options. We buy houses in foreclosure throughout San Francisco County and can close before your auction date.
Free property assessment. No obligation. No pressure.
When you’re behind on mortgage payments, the last thing you have is time. Unfortunately, the traditional home-selling process rarely accounts for that.
Properties in foreclosure come with complications, including title issues, tight deadlines, and motivated sellers who can’t wait for top dollar. Many agents prefer easier transactions.
The average mortgage approval takes 30-45 days. Add inspections and appraisals, and you’re looking at 60-90 days minimum — too slow if your auction date is weeks away.
Buyers who know you’re in foreclosure may try to take advantage of your situation, offering far below market value because they assume you’re desperate.
While you’re waiting for a traditional sale to close, the bank isn’t waiting. Missed deadlines mean losing your home and any equity you’ve built.
When we say we buy houses in foreclosure, we mean properties at every stage of the process. Osborne Homes has worked with San Francisco County homeowners facing foreclosure since 2007, and we understand the urgency involved.
If your auction date is approaching, the difference between a traditional listing and a direct cash sale can mean the difference between keeping your equity and losing the home.
Feature | Traditional Listing | Osborne Homes |
|---|---|---|
Timeline | 60–90+ days | Close in as few as 7 days |
Financing | Requires buyer financing approval | All-cash offer |
Fees & Commissions | Agent commissions (5–6%) | No commissions or fees |
Auction Deadline | May not close before auction | We work within your foreclosure timeline |
Closing Costs | You pay closing costs | We cover closing costs |
Whether you are just behind on payments or weeks away from losing your home, we are one of the most reputable, specialist companies that buy foreclosed homes at any stage in San Francisco County — and we move fast enough to make a difference.
If you are facing foreclosure, the last thing you need is another party adding stress to an already difficult situation. That’s not how we do business.
Our cash offer is transparent and based on the property’s condition at the walkthrough — no surprise deductions later.
You pay zero fees, zero commissions, and zero closing costs. The amount we offer is the amount you receive.
You choose the closing date that works for your schedule, with every detail provided in writing before you commit.
The Process
1
Share a few details about your property – condition, location, your timeline. We'll review your situation and provide a preliminary offer range, usually within 48 hours. No commitment required at this stage.
A local Osborne representative visits the property to confirm its condition. You receive a clear, written cash offer with no hidden deductions – based on what we observe, regardless of the property's state.
2
Choose your closing date – as little as 7 days once title is clear, or later if you need more time. We cover standard closing costs. No repairs. No commissions. Nothing owed at close.
3
Here’s what San Francisco County homeowners need to know about our process.
Our specialists are available for a private consultation to discuss your specific estate needs.
Yes, until the foreclosure auction is complete and the property transfers to a new owner, you still have the right to sell. The key is acting quickly — the closer you get to the auction date, the harder it becomes.
We can close in as few as seven days. If your auction date is sooner, contact us immediately — we have worked with extremely tight timelines before and may still be able to help.
This is referred to as being “underwater.” In some cases, your lender may agree to a short sale, accepting less than the full mortgage balance. We can help you navigate this process.
None. We pay all closing costs and don’t charge commissions. The offer we make is the amount you receive, minus what’s owed to your lender.
No. We are a real estate investment company. We buy properties directly from homeowners for cash — we don’t list homes on the market or represent buyers or sellers as agents.
Foreclosure feels overwhelming, but you have more options than you think if you act while there’s still time. Every day you wait is a day closer to the auction.
Foreclosure isn’t the only difficult situation we handle in San Francisco County.
Needs Repairs
Foundation damage, roof issues, outdated systems — we buy houses in any condition.
Inherited House
Inherited a property you can’t manage? We handle the paperwork and make it easy.
Fire Damage
Smoke, structural damage, or total loss — we purchase fire-damaged homes as-is.
Don’t worry about clearing the clutter. We handle the cleanout after closing.