The All-in-One Solution for California Homeowners

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Get Your Cash Offer
FOR HOMEOWNERS RUNNING OUT OF TIME BEFORE FORECLOSURE

Sell Your California House As-Is Before The Bank Does: Cash Offer In 48 Hours And A Closing Date You Control

Tell us about your situation and get a no-obligation cash offer fast enough to outrun the foreclosure clock.
  • Cash offer within 48 hours
  • Close in as little as 3 weeks
  • Protect your credit before foreclosure finalizes
  • No repairs or hidden fees
Get My Cash Offer

We understand
How Frightening This Feels

A foreclosure notice changes everything overnight. The fear isn’t just about losing the house, it’s about losing control. You don’t have to face this alone, and you don’t have to wait until the bank makes the decision for you.

Time Is Still On Your Side

The 90 days after a Notice of Default feel like nothing, but it’s enough time to act if you move now. We can send a cash offer within 48 hours, which means you don’t have to spend weeks wondering what to do next.

Your Credit Doesn't Have To

A completed foreclosure can follow you for 7 years. Selling before that happens gives you a different outcome, one where you walk away with cash instead of a mark on your credit report that limits your options for years.

No Judgment About How You Got Here

Job loss, medical bills, divorce, life happens fast and finances don’t always keep up. Our team has talked to hundreds of homeowners in exactly your position. You won’t get a lecture, just real options and a fast answer.

A Faster Path Out Of Foreclosure Than You Think Exists

Most homeowners assume their only options are refinancing, a loan modification, or losing the house. There’s a faster one.
Here’s what working with Osborne Homes actually looks like:
  • A 48-hour cash offer turnaround from your first call
  • A closing timeline built to land before your foreclosure deadline
  • Zero fees, zero repairs, zero financing risk along the way
Within 3 weeks of accepting an offer, you could be holding cash. Don’t wait for an auction date that ends with you owing money and owning nothing.
The foreclosure timeline is fixed, but your decision timeline doesn’t have to match it exactly, if you act now.
Get started by requesting your free, no-obligation cash offer below.
See How Fast We Can Close

From Foreclosure Notice To Cash In Hand In 3 Steps

1

Tell Us Where Things Stand, Right Now

Call us or fill out our short form with your address and where you are in the foreclosure timeline. No lengthy paperwork, no upfront documents needed. It takes less than 2 minutes, and our team starts reviewing your situation right away.
2

Get Your Cash Offer Within 48 Hours

We review your property and your timeline, then put together a fair cash offer built to close before your foreclosure deadline. A real person calls you within 48 hours, not a generic email. We’ll walk you through the number and the exact timeline before you decide anything.
3

Close And Walk Away With Cash

Once you accept, we move immediately, handling escrow, title, and closing costs on our end. You pick the closing date, often well before the foreclosure sale would have happened. On closing day, you get cash in hand and the foreclosure threat is behind you.

Here's Exactly What You Get When You Work With Us

Cash Instead Of Losing The House For Nothing

Instead of the foreclosure sale leaving you with nothing, you walk away with real money in hand and one less crisis to manage.

Speed That Outruns The Foreclosure Clock

We send a cash offer within 48 hours and can close in as little as 3 weeks, often fast enough to finish before your deadline.

Zero Repairs, Zero Cleanup Required

You don’t fix anything or prepare the house in any way. We buy it exactly as it sits, which means no delays waiting on contractors.

No Risk Of The Deal Falling Through

Because we pay cash, there’s no lender, no loan approval, and no appraisal contingency that could collapse your sale right before the deadline hits.

Peace Of Mind While The Clock Is Ticking

Once you accept the offer, you’re not managing this alone anymore. Our team handles the timeline, the paperwork, and the pressure, so you can finally stop watching the calendar.

Your Credit Stays Protected

Selling before the foreclosure finalizes means it never reports as a completed foreclosure, keeping that 7-year mark off your credit history entirely.

See Why Homeowners Choose Osborne Homes Over The Alternatives

Osborne Homes
Traditional Listing
Filing Bankruptcy
Speed

✓ Cash offer in 48 hours

✕ 60-90 days to find a buyer

✕ Months of court process

Stops Foreclosure

✓ Closing before the sale date

✕ Not guaranteed in time

✕ Temporarily, but not permanently

Keeps The House

✓ No, but you walk away with cash

✕ No, if it doesn’t sell in time

✕ No, often still leads to sale

Credit Impact

✓ No completed foreclosure on record

✕ Risk if sale falls through

✕ Stays on credit 7-10 years

Repairs Required

✓ None, any condition

✕ Often required to attract buyers

✕ N/A

Cost To You

✓ Zero fees, we cover closing costs

✕ 5-6% agent commission

✕ Legal and filing fees

Certainty Of Outcome

✓ Cash offer, guaranteed close

✕ Buyer financing can fall through

✕ Court-dependent, uncertain

Find Out What Your House Is Worth

3,000+ California Properties Purchased By Homeowners Who Trusted Us To Move Fast

Here are some of their stories:
★★★★★

Osborne Homes exceeded my expectations. Eric was my point of contact, and he made the entire process simple and clear. He communicated everything A–Z, kept me updated, and followed through on every promise. Couldn’t have asked for better service.

Aragad A.

Santa Clarita, California

★★★★★

Working with Osborne Homes was a great experience. Lindsey and Kathy were professional, knowledgeable, and easy to work with. They kept us informed throughout the process and made everything smooth and stress-free. I highly recommend Osborne Homes!

Joey C.

Benicia, California

★★★★★

Osborne Homes to the rescue! We were looking to sell a house that needed some repairs and received a very fair offer from Osborne. Very professional staff and straightforward. We were able to close on the house in a few weeks. It was a pleasure to work with Audra and her team of experts.

Michael M.

Turlock, California

FAQ

Nothing at all. There are no fees, no commissions, and no closing costs on your end. We cover escrow, title, and every closing cost ourselves, so the number you accept is the number you walk away with.

You’ll get a fair cash offer within 48 hours of telling us about your house, and we can close in as little as 3 weeks, on a date you choose.

Yes. We buy houses in any condition, exactly as they sit today. No repairs, cleaning, or staging are ever required.

There are no showings, no commissions, no repairs, and no waiting on a buyer’s financing. We pay cash and handle everything, so there’s no risk of the deal falling through.

We’re the buyer, not a middleman looking for one. Because we pay cash and buy as-is, there’s no marketing, no showings, and no financing to fall through.

Traditional sales wait on buyers, lenders, appraisals, and inspections. We pay cash and control the timeline, so we skip the steps that cause months of delay.

A member of our team reviews your details, reaches out to learn a bit more, and delivers a no-obligation cash offer within 48 hours. If you accept, we handle the rest.

A well-maintained California home

California's Trusted Cash Home Buyer Since 2007

Osborne Homes started with a simple observation: too many California homeowners facing financial pressure, including foreclosure, had no fast, honest way out. Mike Osborne, a Fresno native, built a company to buy houses directly, fast and fairly, without the bank involved.
Since 2007, we’ve closed over 3,000 properties across California, working with homeowners at nearly every stage of the foreclosure process.
We’re not a national call center or a loan modification company. Our team works exclusively in California, which means we understand local foreclosure timelines and deadlines better than most.
We know facing foreclosure isn’t just a financial problem, it’s a stressful, often frightening situation. We don’t ask you to explain how you got here. We just move fast and give you a real option.
If you’re racing a deadline, reach out today and let’s see what’s still possible.
Get Your Cash Offer

Zero Hidden Costs Between Your Offer And Your Closing Day

Facing foreclosure while trying to figure out your next move can feel impossible. We’ve built our entire process around giving you a real answer fast, without adding more pressure.
At Osborne Homes, we send you a fair cash offer within 48 hours of hearing about your situation, based on your house exactly as it stands and the timeline you’re working with.
We cover escrow, title, and every closing cost ourselves, so the number you accept is the number you walk away with. No hidden deductions, no surprise fees, no fine print.
If it’s not the right fit, you simply walk away. There’s no pressure and no obligation at any point. We’re here to give you a real option, not to box you into one.

This is for you if…

You Just Received A Notice Of Default And Don't Know What To Do Next

The letter just arrived and the 90-day clock already started, whether you feel ready or not. That panic is completely normal, and you’re not the first person to feel frozen by it. We talk to homeowners at this exact stage regularly, and we move fast because we know every day matters right now.

You're Worried About What Foreclosure Will Do To Your Credit

You know a completed foreclosure can sit on your credit report for 7 years, and that thought alone might be keeping you up at night. Selling before that happens is one of the only ways to avoid that mark entirely. We’ve built our process specifically to close before the foreclosure finalizes.

You Tried A Loan Modification And It Didn't Come Through In Time

Maybe you applied, waited weeks for an answer, and either got denied or ran out of time. That’s a frustrating place to be, especially when the deadline didn’t wait for the bank’s decision. We’re a direct cash buyer, so there’s no approval process standing between you and an offer.

You're Afraid Of Getting Scammed While You're Already Vulnerable

You’ve probably seen warnings about predatory buyers who target people in foreclosure with lowball offers or sketchy contracts. That fear is valid, and it’s exactly why we operate with no hidden fees and a process you can verify before committing to anything. You deserve a real option, not another risk.
Get Started In Under 2 Minutes

The Foreclosure Clock Doesn't Pause While You Decide

Most homeowners who lose a house to foreclosure say the same thing afterward: they wish they’d looked into their options sooner, while there was still time to choose instead of being forced.

A Notice of Default typically starts a 90-day countdown. Some of those days are already
gone before you even finish reading this.

The earlier you are in that window, the more options you have, including the option to sell fast and walk away with cash instead of losing the house outright.
Once the foreclosure sale date passes, the choice is no longer yours. The bank takes the property, any remaining equity is typically gone, and the foreclosure stays on your credit report for 7 years. None of that can be undone after the fact.
If you’re reading this, you likely already know your timeline, or you’re not entirely sure how many days you have left. Either way, finding out where you stand costs you nothing and takes less than 2 minutes.
Get My Cash Offer Now

Ready To Walk Away With Cash For Your House And Avoid Foreclosure For Good?

  • Real Cash Offer: Get a fair offer based on your house exactly as it stands, sent within 48 hours of your first call to our team.
  • Fast-Track Closing: Skip the 60 to 90 day traditional sale timeline with a closing date built around your actual deadline, in as little as 3 weeks.
  • Guided Every Step: Work directly with a California-based team who understands the foreclosure timeline and walks you through every step, no guesswork required.
Take The First Step Today

Get My Cash Offer

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