How late can I sell before the foreclosure auction?

You can sell right up until the auction sale is finalized, but the closer you get, the fewer options you have. Reach out as soon as you know you're behind.

What happens to the foreclosure case when I sell?

We buy the house and the loan is paid off at closing through the title company. What the lender does with its case after that is between you, the lender, and your attorney. Until closing, the case keeps moving, which is why speed matters.

What if I owe more than the house is worth?

Then a normal sale won't clear the loan, and a short sale may be the path. I'll tell you honestly after the walkthrough, and we can help you approach the lender.

Behind on Payments? Sell Before Foreclosure

Falling behind on a mortgage happens to careful people. Medical bills, a lost job, a divorce, an insurance premium that doubled. There's no shame in it. What matters now is that you still have options, and the sooner you use them, the more of them you have.

Loan paid off at closing
Close in as little as 7 days
Private, no showings

Hi, I'm Mario Zendeli. I've been buying houses here in Central Florida since 2010. I'll walk the house with you myself, and my team and I are the ones who buy it.

Get your fair cash offer

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24 hrs: to a written fair cash offer
7 days: from a signed contract, if title is clean
Payoff: handled at closing by the title company
1 visit: condition doesn't change whether we buy

The challenge

What makes this hard

01
Every month adds fees to what you owe
Once payments are missed, the letters start, then the calls, then a lawsuit. Every month adds late fees, legal fees, and interest to what you owe. The equity you built over years shrinks while you wait for something to change.
02
Waiting is what the timeline punishes
It's natural to want to put the letters in a drawer. But waiting is exactly what the timeline punishes. A house that could have sold with money left over becomes a house sold at auction for whatever it brings, and you could still owe the difference.
03
A listing is too slow and too fragile
A traditional listing takes too long. Getting the house ready, waiting for showings, and then waiting on a buyer's loan approval can eat sixty to ninety days you may not have. Any sale that depends on someone else's lender can fall through the week before the court date.

The solution

How a cash sale solves it

No repairs, no financing, a real closing date

A cash sale takes away the two things you can't control: repairs and financing. We buy the house as it stands and close on our own funds, so the closing date is real. In many cases we can close in as little as seven days from a signed contract.

Your lender is paid from the proceeds

At closing, the title company pays your lender directly from the sale proceeds, including the missed payments, fees, and interest. Whatever's left is yours. If the numbers are tight, I'll tell you plainly before you sign anything, and I'll show you the math.

We get the payoff figure so the math is right

We work with your lender or their attorney to get a current payoff figure, so the closing statement is right the first time. You don't have to deal with them alone anymore.

Working together

What we'll need from you

Missing paperwork is normal. Bring what you have and we'll help track down the rest.

Your most recent mortgage statement and any letters from the lender or their attorney, especially anything with a court date on it.
A rough idea of what else is owed on the house: a second mortgage, HOA dues, property taxes, or a lien.
Permission to request a payoff statement from your lender for you.
A time for one walkthrough. The condition of the house doesn't change whether we buy it.

Local rules

Florida-specific notes

What tends to surprise the sellers I meet in Seminole, Orange, and Osceola County.

This is general information, not legal or tax advice.

Judicial state: Florida is a judicial foreclosure state. The lender has to file a lawsuit and get a judgment before the house can be sold at auction. That takes time, and until the sale is final you still own the house and can sell it.
Lis pendens: When the lender files, a lis pendens is recorded against the property. It doesn't stop a sale, but it means the clock is running. If you've received one, call me that week, not next month.
Payoff and short sales: The full payoff, including fees and interest, is settled at closing through the title company. If the sale price won't cover everything owed, that's a short sale and needs the lender's approval. We can help you figure out which situation you're in.
Any shortfall: Whether a lender can come after you for any shortfall after a sale depends on the specifics. That's a question for an attorney, and I'll say so rather than guess.

FAQ

Questions homeowners ask me

Get started

One call. One walkthrough. A number you can plan around.

No obligation, no pressure. If listing turns out to be the better path for you, I'll tell you.

Get My Cash Offer Call (689) 225-0381

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