The All-in-One Solution for California Homeowners
account_balance We Buy Houses in Foreclosure
Receiving a Notice of Default is one of the most stressful, unpleasant experiences a homeowner can ever face. With the clock suddenly ticking, you are now in a legal process that feels completely out of your control.
But foreclosure doesn’t have to be the end of your property journey. If you act before the bank completes the process, you still have options.
Free property assessment. No obligation. No pressure.
When we say we buy houses in foreclosure, we mean properties at every stage of the process. Osborne Homes has worked with homeowners facing foreclosure since 2007, and we understand the urgency involved.
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, and we move fast enough to make a difference.
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You’ve received the first formal notice from your lender. At this point, you typically have 90 days before the Notice of Sale is recorded. This is the ideal window to sell – you have the most time and the most options.
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The auction has been scheduled. In California, this is typically 21 days after the Notice of Sale is recorded. Time is short, but a cash sale can still stop the process if you act immediately.
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Foreclosure situations often involve additional complications – unpaid property taxes, second mortgages, or other liens. We work with title companies to sort through these issues and structure a deal that clears your debts.
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If you owe more than your home is worth, selling becomes more complicated but not impossible. We can help you explore options, including short sales, where your lender agrees to accept less than the full amount owed.
That means you don’t need to make repairs, clean the property, or deal with showing it to buyers. We simply purchase your home in its current condition, pay off the remaining mortgage, and put any remaining equity in your pocket.
When you’re behind on mortgage payments, the last thing you have is time. Unfortunately, the traditional home-selling process rarely accounts for that.
check_circleReal estate agents may choose to avoid the listing. 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.
check_circleBuyers need financing that takes too long. The average mortgage approval takes 30-45 days. Add inspections, appraisals, and potential delays, and you’re looking at 60-90 days minimum. If your auction date is six weeks away, traditional buyers simply can’t move fast enough.
check_circleLowball offers from opportunists. 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.
check_circleThe foreclosure continues regardless. 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.
Traditional Sale | Osborne Homes |
|---|---|
60-90+ day timeline | Close in as few as 7 days |
Requires buyer financing approval | All-cash offer – no lender delays |
Agent commissions (5-6%) | No commissions or fees |
May not close before auction | We work within your foreclosure timeline |
You pay closing costs | We cover closing costs |
If you are facing foreclosure, the last thing you need is another party adding stress to an already complex, stressful situation. We have heard the stories of investors who make promises they don’t keep, offers that change at the last minute, or buyers who disappear when things get complicated.
That’s not how we do business.
Mike Osborne founded this company in 2007, and over the past eighteen years, we have helped thousands of California homeowners navigate difficult situations, including foreclosure. Our reputation depends on following through.
Our No-Hassle Guarantee means:
check_circleThe cash offer we make is the cash offer you receive. No last-minute reductions
check_circleYou pay nothing out of pocket. We cover all closing costs
check_circleWe work within your foreclosure timeline, even on short notice
check_circleEverything is documented in writing before you commit to anything
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No-Hassle Guarantee
We buy property strictly “as-is” and can close in as little as 7 days, or whenever your legal timeline allows. No inspections, no waiting, no financing contingencies.
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Don’t spend estate money on cleaning, repairs, or commissions. We pay all closing costs and take care of any remaining belongings left in the property.
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Our team is fluent in California probate law. We handle the complex paperwork and work seamlessly with your legal representative from start to finish.
The Process
When you need to sell your house fast in foreclosure, speed is your greatest ally. Our process is built around your timeline, not ours.
01
Call us at (559) 500-3610 or fill out the form on this page. Tell us about your property and where you are in the foreclosure process, whether you’ve just received a Notice of Default or your auction date is weeks away.
02
A local representative visits to assess your home. We’re not looking for reasons to lower our offer; we are just gathering the information we need to make a fair cash bid that accounts for your situation.
03
Accept our offer and choose your closing date. We coordinate with the title company, pay off your lender directly, and get you any remaining equity in cash. The foreclosure stops, your credit is protected, and you move forward.
We’ll discuss your situation, explain your options, and make you a fair cash offer with no obligation.
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, as 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.
Yes, once the sale closes and your lender is paid off, the foreclosure process stops. There’s no auction, and no foreclosure appears on your credit report.
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’re a real estate investment company that buys properties directly from homeowners for cash. We don’t list homes or represent buyers and sellers as agents.
Selling your home shouldn’t be a burden. Get a fast cash offer today and move forward with confidence.
Explore how we help homeowners in various situations across California.
Inherited Homes
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Stop Foreclosure
Quick cash solutions to protect your credit and equity.
Divorce Sales
Neutral, fast property liquidation for equitable division.
Fixer-Uppers
We buy houses in any condition — no repairs required.