Last updated: October 25, 2025

Worried about missed payments or a looming auction date? You’re not alone—and you’re not out of options. Whether you want to list and maximize your net or sell fast to stop the clock, there are clear steps you can take today to protect your equity and your credit.

“List My House For Sale”

Have ~60–90 days? A strong listing may put more money in your pocket.

  • Save your credit from a foreclosure hit

  • Market to retail buyers for top exposure

  • Compare real “net sheets” before you decide

See If Listing Is Your Best Fit →

“Get a Fair Cash Offer Today”

Need speed or certainty? Sell as-is and skip showings, repairs, and financing delays.

  • Tell us about your situation and home

  • We’ll evaluate quickly (often within 24–48 hours)

  • Receive a fair, no-obligation cash offer

Get My No-Obligation Cash Offer →

How to Stop Foreclosure—Quick Start (24–48 hours)

  1. Call your loan servicer and ask for the Loss Mitigation Department. Request options like a repayment plan, forbearance, or loan modification. Take notes: names, dates, and what was said.

  2. Open and read every letter from your lender or attorney. Sale dates and cure amounts are time-sensitive.

  3. Gather documents now: latest mortgage statement, hardship letter, income proof, bank statements, tax returns, and a photo ID.

  4. Get free help: HUD-approved housing counselors can review your options at no cost.

  5. Price your exit: If time is short or repairs are heavy, get a direct as-is offer from Middle Georgia Cash Homes and compare it to a listing net (after fees, time, and holding costs).

Your Main Paths (and when they fit)

  • Reinstate or Repayment Plan – Best if you can catch up quickly or spread arrears over future payments.

  • Forbearance / Loan Modification – If hardship is real but solvable with a payment change.

  • Sell on the Market – You have time, the home shows well, and you want retail exposure.

  • Sell Direct, As-Is – You need speed/certainty, want to avoid repairs and showings, or have a near auction date.

  • Short Sale / Deed-in-Lieu – When you owe more than market value; lender approval required.

Not sure which path applies? We’ll walk you through a side-by-side net comparison (list vs. sell direct) so you can choose with confidence.

FAQs

Can a cash sale actually stop foreclosure?
Often, yes—if we close before the sale date. Once we verify the payoff and timeline, we coordinate with the closing attorney and your servicer. In some cases a postponement can be requested; timing matters.

Do I have to make repairs?
No. With a direct sale to Middle Georgia Cash Homes, you can sell as-is—no cleaning, no contractors, no showings.

What if I’m behind on taxes or HOA?
We factor those into the payoff and closing. The goal is a clean, simple exit.

Watch Out for Scams

  • No upfront fees for “foreclosure rescue.”

  • Don’t deed your house to anyone you don’t know (or understand).

  • Get everything in writing and review before you sign.

  • When in doubt, speak with a HUD-approved counselor or a qualified attorney.

Ready to Talk Through Your Options?

Whether you want to list or sell fast, we’re here to help you avoid foreclosure with the least stress and the best outcome for your situation.

Prefer to call? Reach us at 478-216-1795 .