ServicesAvoid Foreclosure
Avoid Foreclosure in Dona Ana
Missed payments and a lender moving toward foreclosure leave you less time each week. A cash sale can pay off the loan before the court process ends. We look at the house first, tell you plainly what we found, and make a fair offer only if selling fits.
Selling before the lender takes over
Foreclosure is not instant. New Mexico runs it through the courts, and that takes a while. That stretch of time is your chance to sell on your own terms rather than lose the house and whatever equity it holds.
First we look. We walk through the house and talk plainly about what you owe, what the house needs and how much time is left. Then we share what we see. Sometimes a cash sale is your best option, and sometimes it isn't. Either way, we tell you.
If selling to us doesn't fit, we keep helping. We put you in touch with the best alternative contact we know, sale or no sale.
What working with us includes
A look at the house, not a pitch
Five minutes by phone or at the property. We check the condition and ask about the loan, and you hear what we found before any price.
A cash offer that's fair
When selling makes sense, you get a free, no-obligation cash offer, written out so you can follow how we reached it.
No repairs, fees or commission
We take the house as-is, so there's no roof to fix, painting or garage to empty. Fees are $0, commission is $0, and we pay the closing costs tied to the sale.
A closing date you set
Choose a date that works with your court timeline: soon if the sale date is near, later if you need time to move out.
A plain contract
There's no appraisal, no inspection and no financing contingency, so there are fewer ways for the sale to fail while time runs short.
Signs it is time to make the call
You have missed two or more payments
Late fees stack up fast. The sooner you look at options, the more of them you have.
A notice of default or a court summons arrived
This means the lender has started the formal process. You still have time, but it is shrinking.
The house needs work you cannot pay for
A leaking roof or failed cooler can make a regular sale hard. We buy the house the way it sits.
A job change, divorce or medical bills changed the math
The payment that worked two years ago does not work now, and catching up is not realistic.
The loan modification went nowhere
If the lender said no or stopped answering, a sale may be the cleanest way to settle the loan.
How it works, start to finish
- 1
The phone call
Tell us about the house and where things stand with the lender. We set up the walk-through, in person or by video.
- 2
The walk-through and findings
We look at the house and tell you plainly what we see. No pressure and no surprises later.
- 3
The offer
If a sale fits, you get a cash offer. Take time to think, and talk it over with family or an attorney if you want.
- 4
Closing on your date
The title company handles the payoff to your lender. You pick the date, and we handle the closing costs related to the sale.
What goes into your offer
We charge no fees or commission, so the figure you see is what the offer starts from. A handful of things raise or lower it, and we explain each one so nothing stays hidden.
- The house's condition
- Cracked foundations, leaking roofs, aging plumbing and stucco damage all affect the as-is value. We show you what we found so the reason is clear.
- The amount owed
- At closing, the loan balance, missed payments, late fees and legal costs are paid. The higher the total, the smaller what's left for you.
- Title problems and liens
- Tax liens, judgments or a second mortgage must be cleared, and some take longer to resolve than others.
- How much time you have
- A sale date that's close leaves less room. We plan around it and tell you honestly if the timing is too tight.
Questions about selling before foreclosure
Something not covered here? (915) 336-2059
Is it too late to sell once foreclosure has begun?
Most often, no. The house is yours to sell until the court sale takes place, and the lender is paid off at closing. Calling sooner gives you more room.
Does selling protect my credit?
Selling before a foreclosure is final often does less harm than a finished foreclosure. Each case differs, so ask your lender or a housing counselor how yours will be reported.
What if the loan is bigger than the house's value?
In that case a simple cash sale may not pay off the loan. We'll tell you right after the walk-through, not weeks later. If selling to us won't work, we'll send you to the best alternative contact we know.
Must I make repairs before selling?
No. We buy the house as-is, no repairs. Anything you don't want to take can stay, and we handle it.
Is this legal advice?
No. We buy houses and explain how a sale works. For your rights in the court case, speak with a New Mexico attorney. We're happy to work with one.
Find out where you stand
A short call and a quick look at the house will tell you if selling makes sense. You get plain findings and a free, no-obligation cash offer if it fits.