A simpler way to sell your house. No repairs. No fees. No stress. ☎  (888) 480-5544 Get a Cash Offer →
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We Can Help

Behind on Mortgage? Get a Way Out, Fast.

Cash offer before foreclosure. Close in as little as 7 to 14 days. No repairs, no fees, no judgment. Just real options when you need them.

  • No agent commissions
  • No repairs needed
  • Close on your timeline
See My Options →
A modest single-family house with a Sterling Home Offer yard sign: a fresh start is possible
★★★★★ 5.0 · 13 Google reviews Trusted by homeowners No fees, no commissions Fair, transparent offers Close in as little as 7 days
Homeowner overwhelmed at the kitchen table, looking for a way forward
"Falling behind can be overwhelming. But you do have options."Let us help you find a way forward.

You're Not Alone

Life happens.
We're here to help.

Whether you've missed a few payments or are facing foreclosure, we make it simple to sell your home for cash and move forward, without the stress, fees, or uncertainty of the traditional process.

  • We talk to your lender, with your okay
  • Short sales handled if you owe more
  • Everything stays confidential
Tell Us About Your Situation →

How It Works

Three simple steps.

You tell us, we crunch the numbers, you choose what's next.

1

Tell us about your situation

Be honest about where you are: how far behind, what you owe, the condition. It takes a few minutes, and there's no obligation. No judgment.

2

We run the numbers

Cash offer based on market value, your balance, and your timeline. If a short sale makes more sense, we explain that too. You see all options.

3

You decide, we take care of the rest

Accept and we handle the paperwork and close in as little as 7 to 14 days. Walk away if it doesn't fit. Free to talk, no pressure.

Built for Real Situations

A solution for homeowners like you.

We help homeowners who are behind on payments avoid foreclosure and move forward with confidence. No fees. No repairs. No judgment.

Get My Cash Offer →

Behind on payments

Falling behind can be overwhelming. We can help you sell before foreclosure, and we talk to your lender with your okay.

Avoid high fees

No agent commissions, closing costs, or hidden fees. Back taxes and HOA are paid at closing from proceeds.

No repairs needed

We buy houses as-is, so you don't have to spend money on repairs. The offer accounts for the condition.

Need a faster timeline

Close in as little as 7 to 14 days, on a timeline that works for you. Or take longer if you need it.

Mother hugging her daughter outside their home after a fresh start
★★★★★

"Great company to work with! Even when an unexpected issue came up at the property, Olga and Dom handled everything professionally and made sure I was fairly paid for my time. Highly recommend!"

Roma Frolov, Google review

A Brighter Tomorrow

More than a sale.
A fresh start.

Selling your home can give you the relief you need: stop the foreclosure clock, protect the equity you've built, and gain a fresh start for you and your family.

  • Stop the foreclosure process
  • Keep the equity that belongs to you
  • A simple, stress-free process
Get Your Fresh Start →

Answers to Your Questions

Common questions about selling before foreclosure.

View all FAQs →
Can I sell my house if I'm already in foreclosure?
Usually yes, right up until the auction. After missed payments come late notices, then a formal notice of default, and only later an auction date. The earlier you act, the more options stay on the table. If a date is already set, tell us right away and we'll see what's realistic.
How fast can you close?
In as little as 7 to 14 days once you accept, because there's no financing, no showings, and no repairs. If you need more time, we close on your schedule instead.
Will you pay off my mortgage?
The payoff happens at closing: the title company uses the sale proceeds to pay your lender, back taxes, and any HOA balances. You don't write checks. Whatever remains after the payoff is yours.
Do I need to make any repairs?
No. We buy houses as-is. Deferred maintenance, broken things, projects you couldn't pay to finish: that's fine, the offer accounts for it.
Will selling my house hurt my credit?
A completed foreclosure can stay on your credit for about seven years. Selling before foreclosure, even through a short sale, generally does less damage and lets you recover faster. Talk to a financial advisor about your specific situation, but in most cases acting early hurts less than letting it run to auction.
How is this different from a short sale?
A regular sale works when your home is worth more than you owe: you sell, pay off the loan, and keep the remaining equity. A short sale is for when you owe more than it's worth: the lender agrees to accept less to release the lien. It needs lender approval and isn't guaranteed, but we have experience coordinating short sales and handle that back-and-forth for you.
Important: selling is one option among many. Sterling Home Offer is a direct cash home buyer, not a foreclosure prevention service, loan modification company, attorney, or credit repair service. You may also have other options, including a loan modification, forbearance, or repayment plan with your lender, free HUD-approved housing counseling at 1-800-569-4287 or hud.gov/findacounselor, or selling through a licensed real estate agent. Please confirm your situation with a HUD-approved counselor or an attorney before you decide.

Ready to Explore Your Options?

Get a fair cash offer and move forward.

No pressure. No obligation. Just a simple conversation.

Get My Cash Offer → ☎  or call (888) 480-5544