ServicesAvoid Foreclosure
Sell Your Anthony, NM House Before Foreclosure
Missed payments and more letters from the lender every week? There is still a way out. We offer fair cash for the house in its current condition, cover the closing costs and let you choose the closing date, so the sale can happen before the court case runs its course.
Selling for cash can beat the foreclosure clock
In New Mexico, foreclosure runs through the district court. The lender files a complaint, you are served, and the case heads toward a judgment and a sale date. Before that sale takes place, you can usually still sell the property on your own and pay off the loan with the proceeds.
This is where we fit in. We pay cash, with no appraisal, no inspection and no financing contingency, so no bank on our end can pull out late. Your lender receives the payoff at closing, and you keep any equity that remains.
We also review the paperwork early. Liens, back taxes and open permits on an old carport or addition can slow down title. We find them first and explain each in simple terms so nothing derails closing at the last minute.
What we take off your hands
A free, fair cash offer
Once we do a free 5-minute walk-through, you get a cash offer that commits you to nothing. Accept it, sleep on it or say no.
Nothing to fix or clean
We take the house as it is. The worn-out swamp cooler, the cracked stucco and the full garage can all stay. You repair and haul nothing.
$0 fees and $0 commission
No one takes a cut. Fees are $0, commission is $0, and every closing cost of the sale is ours to pay.
Checks on title, liens and permits
We search for liens, judgments and permits that are open or expired. If a room went up without city or county approval, we explain what that means. Since we buy as-is, it rarely blocks our offer, but it needs to be on the table early so title can clear.
Your lender paid at closing
The title company requests the exact payoff from your lender, late fees and all, and sends it straight to them. Every number is on paper for you before you sign.
You pick the closing date
When the sale date is near, we aim for the soonest date title allows. If you need a few weeks to pack up, we plan for that.
Signs a sale may be your best move
You are two or more payments behind
Late fees stack up and default notices start arriving. The earlier you act, the more choices you have.
You were served with court papers
A foreclosure complaint means the case is in court. You have a limited time to respond, so read it closely and get advice right away.
A loan modification fell through
If the lender said no, or the new payment still does not fit, selling can pay off the loan and stop the debt from growing.
The house needs work you cannot afford
A roof leak or a dead water heater on top of missed payments makes a regular sale hard. We buy with no repairs.
You have equity you want to keep
A foreclosure sale often brings less than the property is worth. Selling first can protect the money you built up.
From the first call to the closing table, in four steps
- 1
Call us first
Share the address, about what you owe and any dates on the lender's letters. We ask a handful of simple questions and do most of the listening.
- 2
A free 5-minute walk-through
We look the house over briefly, in person or on video. You don't need to tidy up.
- 3
Your offer and a title search
We give you a free cash offer with no obligation and begin checking title. Any liens, back taxes or code problems surface here, and we walk through each one with you.
- 4
Close on the date you set
You sign at the title company. The lender is paid off, and whatever is left over is yours.
What moves your cash offer
You pay us no fees or commission, and the closing costs are ours. The parts that change are the offer itself and what you leave with. Here is what affects them.
- The amount you still owe
- The loan balance, missed payments, late fees and the lender's legal costs are all paid from the sale. Those costs climb the further the case goes.
- How the house is holding up
- We buy as-is, but a failing roof or old wiring cuts what the property is worth to us. We share what we saw and how it changed the number.
- Back taxes and liens
- County property taxes, contractor liens and judgments are settled at closing, before your share is paid out.
- Code and permit problems
- An addition built without approval, a garage converted to a bedroom or an open permit can mean more work for us after the purchase. We price that fairly and show you the reasoning.
- How long until the sale date
- With more time, title can be cleared more cleanly. A short timeline can still work, but each lien must be resolved quickly.
Questions people ask about foreclosure
Something not covered here? (915) 223-6111
The lender has started foreclosure. Can I still sell?
Usually, yes. Up until the court-ordered sale, you generally keep the right to sell and pay the loan off. Timing matters, because the nearer the sale date gets, the less room you have.
Does selling to you end the foreclosure?
When the sale closes and the lender gets paid in full, the case ends because nothing is owed. We can't promise any lender will push back a sale date, and we don't give legal advice. If you need it, we can refer you to someone who does.
What if the house is worth less than I owe?
A plain cash sale might not pay off the loan, and a short sale or some other lender option could suit you better. We'll tell you that directly rather than push a deal. Even if our offer isn't the answer, you still get the name of a good person to call.
Must code problems be fixed before we close?
No. Our purchase has no repair requirement and no inspection contingency. We do need to hear about open permits and work done without approval so title can clear, and we explain what each one means for you.
How fast can closing happen?
The closing date is your choice. How quickly it can happen mostly comes down to how fast title clears and the lender sends a payoff. We aim for the date you need and keep you updated throughout.
Talk it through before the sale date
One short call shows you where things stand and what a sale could look like. It costs nothing, and you are free to say no.