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SWIFT HOMESolutions

Selling a pre-foreclosure house for cash.

A pre-foreclosure house is one where the owner has fallen behind and the lender has started or is about to start the foreclosure process. If you decide to sell, a cash offer can close on your timeline without repairs, showings or agent commissions.

Pre-foreclosure homes

Behind on your mortgage? Selling to us is one option — here's how it works.

If you've missed payments or received a notice of default, a notice of intent to foreclose, or court papers, you may still have time to sell the house on your own terms. We buy pre-foreclosure houses for cash, as-is, and we'll work around your lender's timeline whenever the payoff and title allow.

What we do

  • We review your payoff, your timeline and the condition of the house, then make a written cash offer.
  • If the offer covers what you owe, closing can pay off the loan and any equity that's left goes to you.
  • You pick the closing date, within what the title company needs and before any sale date.
  • No repairs, showings, agent commissions or fee to request an offer.
Get my pre-foreclosure offer

Pre-foreclosure questions

Do you buy houses in pre-foreclosure?

Yes. SwiftHome Solutions buys pre-foreclosure houses for cash in Hillsborough, Orange and Seminole counties, Florida, and Baltimore City and Baltimore, Prince George's, Montgomery, Charles, Howard and Harford counties, Maryland. We review your payoff and timeline, make a written offer, and close with a title company on a date that works within your lender's timeline when possible.

Can selling my house stop a foreclosure?

A sale can end a foreclosure if it closes and pays off the loan before the lender's sale. We are a home buyer, not a lender or loss-mitigation service: we don't negotiate with lenders, modify loans or promise to stop a foreclosure. Get your payoff statement, talk to a free HUD-approved counselor, and consider speaking with an attorney, then compare a cash sale to your other options.

How much will you offer for my house?

We base the offer on what the house could sell for once repaired, minus repair costs, closing costs and our margin. Cash offers are usually below retail value because you're selling as-is without commissions or a listing process. We'll put the number in writing and you decide.

What should I watch out for if I'm facing foreclosure?

Never sign your deed over to anyone before a closing, never pay a company upfront to "save" your home, and never send mortgage payments to anyone other than your servicer. Read every document, and have an attorney review any agreement before you sign.

Where we buy