Stop Foreclosure Fast

Falling behind on mortgage payments and facing foreclosure can feel overwhelming, but you still have options.

With iBuyHomes, the original cash home-buyer, you can:

Stop foreclosure proceedings within days by paying off the loan balance in full.
Receive a written cash offer in as little as 10 minutes—no obligation, no upfront fees.
Close before the auction date—sometimes in just 5 business days.
Avoid legal action, late fees, and damage to your credit while skipping repairs and realtor commissions.

Sell Your Home for Cash

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Why Speed Matters When You’re Facing Foreclosure

Whether you’ve missed payments because of financial hardship, loan servicer errors, or sudden medical bills, our nationwide team is ready to assist homeowners and prevent foreclosure—no hefty fee, no scams, just a guaranteed payoff.

State foreclosure laws vary, but the clock often starts after 90 days of missed payments.
Mortgage servicers add late fees and legal costs every month the loan remains in default.
Public foreclosure auctions negatively affect your credit for up to seven years.

Acting early—before the foreclosure case reaches the court or trustee sale—gives you more foreclosure prevention options and the best shot at preserving equity.

iBuyHomes: Two Decades of Stopping Foreclosures

Since 2001, iBuyHomes successfully guided over 2,000 homeowners away from foreclosure across the country. We work directly with your mortgage lender or servicer, obtain a payoff statement, and wire funds on closing day—often before the auction date is even set. Our A+ BBB rating, HUD-approved housing counselor partnerships, and zero-pressure approach protect you from foreclosure rescue scams that demand upfront fees.

How We Stop Foreclosure in 3 Easy Steps

No partial payments, no phone calls back and forth with the loan servicer—we handle every step and pay all standard closing costs.

Contact iBuyHomes or call our toll-free line.

Share your loan documents, auction date (if any), and payoff amount.

Receive a firm cash offer.

We calculate fair market value, subtract outstanding mortgage debt, and send a written agreement within minutes.

Pick a closing date before the lender’s deadline.

Our title company sends the lump-sum payoff directly to the mortgage company, stopping the foreclosure process and releasing the lien.

Our Foreclosure-Relief Guarantees

As-Is Purchase. No repairs or inspections are required—even if legal action has begun.
Zero Commissions or Upfront Fees. You keep every dollar of agreed equity; we pay title, escrow, and recording fees.
Written Agreement & Full Transparency. See exactly how we reach our purchase price and payoff figure.
Close in 5–14 Days. Faster than any loan modification or short-sale approval.
Credit Preservation. Because the mortgage is paid in full, the foreclosure entry is removed, and future lenders see a satisfied mortgage—not a forced sale.

Property Types We Buy to Prevent Foreclosure

Single-family homes (all sizes and conditions)
Condos, Townhomes & HOA-restricted properties
Multi-family (1–4 Units), even if tenants are behind on rent
VA-Backed Loans—we coordinate with Veterans Affairs deadlines
Probate or Inherited Properties with outstanding mortgage debt
Underwater Homes where the payoff exceeds fair market value (deed in lieu alternative)

Other Legitimate Ways to Avoid Foreclosure

Tip: Always consult a HUD-approved counselor or private attorney before signing documents, and avoid foreclosure prevention scams that ask for large upfront fees.

Option	How It Works	Pros	Cons
Loan Modification	The lender agrees to lower the interest rate or extend terms.	Keeps you in the home.	Lengthy approval, strict income review.
Repayment Plan	The fixed amount is added to future payments to catch up.	No legal action if the plan is honored.	Higher monthly payments may strain the budget.
Forbearance	The loan servicer pauses or reduces payments for a set period.	Temporary relief after hardship.	Lump sum or repayment plan due afterward.
Short Sale	Home sold for less than mortgage balance with lender approval.	Avoids foreclosure entry on credit.	Takes 60–120+ days; the lender controls the sale price.
Deed in Lieu	The voluntary transfer of the deed to the lender.	Ends debt without auction.	You lose the home and any equity; the lender may still pursue a deficiency.
Cash Sale to iBuyHomes	We pay off the mortgage and buy the home as-is.	Fastest, certain, no lender approval required.	You move out after closing.

How to Spot Foreclosure Rescue Scams

Demands for wire transfers or hefty fees before service
Promises to “guarantee loan modification” without lender involvement
Requests to sign over the deed while staying as a renter
Pressure tactics and threats if you ask for time to review with a legal advisor

Report suspected scams to your state attorney general’s office or call HUD’s toll-free hotline (800-569-4287).

2025 Foreclosure Trends: Act Before Costs Pile Up

Waiting increases legal costs and negatively affects your credit. Prevent foreclosure by choosing the quickest solution available.

2025 Trend	Impact on Homeowners	iBuyHomes Advantage
Rising interest rates push adjustable mortgages higher	With larger monthly payments, more trouble making the full amount	All-cash payoff ends the adjustable mortgage cycle
Mortgage servicers accelerating legal action after 90 days	Less time to negotiate with lender or servicer	5-day closing beats accelerated timelines
Average foreclosure takes 18 months & adds $15k legal fees	Equity lost to attorney costs and late fees	Payoff stops fees on closing day

Our Sellers Recommend ibuyhomes to Friends and Family

Facing Foreclosure? Get Answers Fast

Can you really stop a foreclosure once it's started? How do I get rid of foreclosure stress?

Yes, in many cases, we can help you stop foreclosure. The simplest solution for a foreclosure you want to avoid is often a quick cash sale. Once you accept our offer and the title is clear, we can typically close in as few as five business days. This speed is crucial because your mortgage lender must accept a full payoff (which we provide) up until the moment of the foreclosure auction. This action halts the foreclosure proceedings and helps you avoid the negative impact on your credit and mortgage rights. If you’re having trouble paying your mortgage loan, this is a viable way to turn around a foreclosure.

What's the best way to prevent foreclosure if I'm already behind on my mortgage loan?

While options like loan modifications or delayed payments might be discussed when you contact your mortgage servicer, these can be lengthy and uncertain. Selling your home for cash to a company like iBuyHomes is often the fastest and most certain way to prevent foreclosure from finalizing. We provide a low-cost (in fact, no cost to you) way to satisfy the lender, protect any remaining equity, and move on without lingering financial problems. It’s a more definitive solution than trying to fight foreclosure through other means that might still result in losing the home.

How quickly can iBuyHomes pay off my mortgage and stop the auction?

Speed is our specialty. Once you accept our written cash offer and the title search is clear, we can close and pay the mortgage company in as few as five business days. This is often faster than lenders process loan modification packets or other interventions. Our closing agent wires the lump sum directly, the foreclosure case is dismissed, and your mortgage rights are addressed.

Are there any fees or commissions if I sell to iBuyHomes to avoid foreclosure? What about legal services?

No. iBuyHomes charges zero service fees and typically pays standard closing costs. You pay nothing out of pocket. This is a clear advantage over listing with a real estate agent where you’d incur commission costs. While we are not legal services providers or financial counselors, we work efficiently with title companies and, if you have one, your attorney, to ensure a smooth process. We recommend homeowners explore all additional resources, including advice from the Department of Housing and Urban Development (HUD) or a HUD-approved financial counselor, to understand all their options.

My state has specific foreclosure relief programs (e.g., NC foreclosure relief / stop a foreclosure in PA). How does selling to you compare?

State-specific relief programs, often supported by Housing and Urban Development (HUD) initiatives, can be helpful for some homeowners. However, they can also involve lengthy application processes and may not always provide an immediate solution to stop an imminent auction. Selling to iBuyHomes offers a definite and fast resolution, providing you with cash quickly and certainty that the foreclosure will be stopped. This can be particularly crucial if you’re facing a tight deadline. We operate in many areas and can often provide a faster alternative to navigating complex local programs, but we encourage you to be aware of all additional resources available through entities like the Department of Housing or Urban Development HUD programs.

What if my mortgage balance is higher than my home’s current market value? Can you still help?

This is a common scenario, known as being “underwater.” Even in this situation, we can often help. We’ll review options like a short sale (where the lender agrees to accept less than the full amount owed) or potentially a deed-in-lieu of foreclosure. In many cases, we can present a creative cash offer that satisfies your lender and releases your mortgage rights, helping you avoid the full impact of foreclosure despite your financial situation.

How do I know iBuyHomes isn't a foreclosure prevention scam, especially when so many for-profit companies make promises?

It’s wise to be cautious. iBuyHomes has been a reputable business since 2001, with an A+ BBB rating. We never charge upfront fees – a common tactic of scam operations. We encourage you to verify our credentials, read hundreds of verified reviews, and consult with HUD-approved housing counselors. Many for-profit companies exist, but our track record and transparent process, which respects consumer financial protection principles and complies with financial regulation, demonstrate our legitimacy in helping homeowners navigate these tough financial problems without optional expenses for our core service.

Can I stay in my home for a bit even after you buy it to stop the foreclosure?

Often, yes. We understand that you’ll need time to relocate. In many situations, we can structure a post-closing occupancy agreement that allows you up to 30 days to move out after the sale is complete and the foreclosure has been officially stopped. This provides a little breathing room during a stressful transition.

Ready to Stop Foreclosure Fast?

Call 866-989-1746 or fill out our quick form to receive your no-obligation cash offer within minutes and keep foreclosure off your record—the iBuyHomes way.