Facing Foreclosure?
You Have Options.
Don't let the bank take your home. We've helped hundreds of California families avoid foreclosure, protect their credit, and start fresh. Every conversation is 100% confidential.
We've Been Where You Are
This isn't just business for us. It's personal.
In 2009, we were in the exact same position you might be in right now. The market crashed. Our home was underwater. The bills were piling up and the phone wouldn't stop ringing. We felt the weight of it — the stress, the fear, the uncertainty of not knowing what comes next.
We completed a short sale on our own home. Within 60 days, our credit began recovering. No lasting damage. No foreclosure on our record. And since then, we've bought and sold many homes — proof that a short sale doesn't end your story. It starts a new chapter.
That experience changed everything for us. It's why we dedicated our careers to helping families just like yours navigate this process. We know what you're feeling because we've felt it. And we know the way out because we've walked it ourselves.
It's okay to go through this. It's not okay to go through it alone without professional help.
Short Sale — Walk Away Clean
Your credit report shows PAID. Not foreclosed. Not defaulted. Paid.
A short sale means we ask your bank to let you sell your home for less than what you owe. If the bank approves — and they almost always do when handled by experienced professionals — you sell the home, the bank accepts the proceeds as full payment, and you walk away free and clear.
No eviction. No auction. No sheriff at your door. You stay in your home during the entire process, you leave on your own terms, and your credit report reflects a paid obligation — not a financial catastrophe.
The Bottom Line
A short sale is the single most effective way to exit a mortgage you can no longer afford while preserving your financial future. It costs you nothing out of pocket, and it gives you the fresh start you deserve.
Subject-To — Someone Takes Over Your Payments
No sale. No credit damage. No questions asked. Just walk away.
Here's an option most homeowners don't even know exists. We have qualified buyers ready to take over your mortgage payments — allowing you to avoid any type of sale entirely. The buyer takes ownership of the property and continues making your mortgage payments. You walk away clean, no questions asked.
This is the fastest path out. There's no bank approval process, no waiting for short sale negotiations, no listing the home on the market. It can close in days. Your credit stays intact as long as payments continue being made, and there's no foreclosure, no short sale, and no negative mark on your record.
Time Is Everything
While a short sale takes 60-120 days and a traditional sale takes 30-60 days, a subject-to arrangement can be completed in as little as 7-14 days. If you're running out of time before a foreclosure auction, this could be your lifeline.
Ask About Subject-To Options
Traditional Sale — Walk Away With Cash
You may have more equity than you think. Let's find out.
Here's what many homeowners don't realize: you may still have equity in your home. Even if you're behind on payments, even if you feel like you're drowning — your home could still be worth more than what you owe.
If that's the case, a traditional sale is your best possible outcome. We list your home, sell it to a qualified buyer at market value, pay off your mortgage from the proceeds, and you walk away with cash in your pocket. Clean credit. No negative marks. No waiting periods. You can buy again immediately.
Rather than letting the bank foreclose and losing everything, you take control. You sell on your terms, on your timeline, and you keep whatever equity remains. It's the difference between walking away with nothing and walking away with a fresh start and money in the bank.
Free Market Analysis
We'll run a comprehensive market analysis of your home at no cost. You'll know exactly where you stand — how much equity you have, what your home is worth today, and what your best options are. Zero obligation.
Foreclosure — The Devastating Reality
This is not a scare tactic. This is what actually happens when you wait too long.
The California Foreclosure Timeline
Credit Destroyed
200-300+ point drop. The worst mark possible on your credit report. Stays for 7-10 years.
Can't Buy Again
Wait 3-7 years before you can qualify for another mortgage. Your homeownership dreams are frozen.
Can't Rent Easily
Foreclosure shows on background checks. Most landlords will deny your application outright.
Employment Impact
Shows on employer background checks. Can cost you jobs in finance, government, and security-cleared positions.
Mental Health Crisis
Harvard research links foreclosure to major depression, anxiety disorders, and family breakdown.
Leads to Bankruptcy
Many foreclosures trigger bankruptcy. Chapter 7 stays on your credit for 10 years — even longer than foreclosure.
| Short Sale | Subject-To | Traditional Sale | Foreclosure | |
|---|---|---|---|---|
| Credit Impact | 50-150 pt drop | No impact | No impact | 200-300+ pt drop |
| Credit Report Shows | PAID | No change | No change | FORECLOSURE |
| Buy Again In | 2 years | Immediately | Immediately | 3-7 years |
| Eviction Risk | None | None | None | Within 48 hours |
| Time to Complete | 60-120 days | 7-14 days | 30-60 days | 111+ days |
| Cost to You | $0 | $0 | From proceeds | Everything |
| You Stay in Home | Yes, during process | Until closing | Until closing | No — removed by force |
The cost of waiting is severe. Every day you delay, your options shrink and the damage grows.
Protect Yourself — Book a Free Consultation NowThis Is Happening Right Now
Every glowing pin is a family facing foreclosure. Look at how many there are — you can barely see the map underneath. You are not alone, but you need to act.
Home values continue to fluctuate. Mortgage rates remain unpredictable. The families represented by these pins waited too long to ask for help. Don't become another pin on the map.
Get Help Before It's Too LateQuestions You Need Answered
Even the ones you're afraid to ask. We believe you deserve the truth — all of it.
Have a question that's not listed here?
Ask Us Directly — Book a Free Call
Your Confidential Consultation
Is Completely Free
Meet with us in person, over the phone, or on Zoom. We'll review your situation, explain every option available to you, and build a plan to get you out of this — with zero judgment and zero obligation. Everything discussed is 100% confidential.
Realty ONE Group ZOOM
Licensed California Real Estate Brokerage
Josh — DRE #01880040 | Treasure — DRE #01892442
We've helped hundreds of families in this exact position. We have a 100% success rate. We never judge. And we're ready to help you too.
Your fresh start begins with one conversation.